| CPC G06Q 20/40 (2013.01) [G06Q 20/32 (2013.01); G06Q 20/322 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/401 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/4016 (2013.01); H04W 12/12 (2013.01); H04W 4/021 (2013.01); H04W 4/14 (2013.01)] | 30 Claims |

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1. A method for authenticating a transaction involving a user's identity, wherein the user is associated with a mobile phone and wherein the transaction is associated with a time and a location, comprising the steps of:
receiving a pre-transaction location of the mobile phone and a time associated with the pre-transaction location, wherein the pre-transaction location was obtained from the mobile phone and was determined via at least one of: GPS, Wi-Fi, antenna triangulation, and cellular base station ID;
receiving at least one of a calculated score and a calculated speed, wherein the at least one of the calculated score and the calculated speed is based on at least:
(i) a time difference, wherein the time difference is the difference between the time associated with the transaction and the time associated with the pre-transaction location of the mobile phone; and
(ii) a calculated distance, wherein the calculated distance is the distance between the location associated with the transaction and the pre-transaction location of the mobile phone;
and
generating a decision comprising at least one of:
(i) allowing the transaction,
(ii) sending an alert, and
(iii) preventing the transaction;
wherein the decision is based on at least the at least one of the calculated score and the calculated speed.
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