CPC H04M 1/72457 (2021.01) [H04M 1/725 (2013.01); H04W 4/029 (2018.02)] | 20 Claims |
1. A method for validating an electronic transaction of an Internet user in possession of a mobile phone, comprising:
(a) via software installed on the mobile phone, requesting that the Internet user consent to the release of the mobile phone's geographical location;
(b) receiving, from a first source of location information, the released location, which is a first geographical location of the mobile phone;
(c) after either (i) receipt of the first geographical location of the mobile phone, or (ii) receipt of the Internet user's consent to the release of the mobile phone's geographical location, initiating a location inquiry of the mobile phone from a second source of location information;
(d) receiving, from said second source of location information, a second geographical location of the mobile phone;
(e) determining whether the first geographical location of the mobile phone and the second geographical location of the mobile phone are within an allowable distance; and
(f) if the first geographical location and the second geographical location are within the allowable distance, then taking at least one of the following actions:
(i) allowing the transaction, and
(ii) assigning a positive score;
otherwise
(g) if the first and the second geographical locations are not within the allowable distance, taking at least one of the following actions:
(i) requiring additional authentication information of the Internet user, and
(ii) assigning a negative score;
wherein one of the first geographical location and the second geographical location is identified by at least one of: GPS, antenna triangulation and cellular base station, and the other is identified by Wi-Fi, wherein the second geographical location is identified immediately after the first geographical location.
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