System and Method for Authenticating Payment Transactions

摘要

A request to authorize a payment transaction initiated on the client device is received by the system. In some embodiments, the request is received from a mobile client device connected to a cellular communications network. The request includes an IP address associated with a client device and a cellular phone number associated with the client device. The IP address is determined automatically without human intervention from the request. A cellular telephone carrier system associated with the cellular communications network is then queried using the cellular phone number associated with the client device. A response is received from the carrier system. The response includes the current IP address associated with the client device. The payment transaction is authorized when the IP address received from the carrier system matches the IP address received from the client device.

主权项

1. A method for authorizing a payment transaction initiated on a mobile client device connected to a cellular communication network, the method comprising:
at a system having one or more processors and memory storing one or more programs for execution by the one or more processors to perform the method:
receiving from a mobile client device connected to a cellular communications network a request to authorize a payment transaction initiated on the client device, where the request comprises an IP address associated with a client device and a cellular phone number associated with the client device;querying a carrier system associated with the cellular communications network using the cellular phone number associated with the client device;receiving a response from the carrier system, wherein the response includes an IP address associated with the client device; andat least partially authorizing the payment transaction when the IP address received from the carrier system matches the IP address received from the client device.