CPC H04L 9/3247 (2013.01) [G06F 21/6254 (2013.01); G06Q 20/4015 (2020.05); H04W 12/63 (2021.01); G06F 2221/2141 (2013.01)] | 30 Claims |
1. A method for authenticating a user's transaction or access to a website, the user's initiation of the transaction or access being associated with a computer signature, comprising the steps of:
receiving a geographical location of a mobile phone, wherein the mobile phone is associated with the user and wherein the geographical location of the mobile phone is identified by at least one of: GPS, Wi-Fi, Galileo, cellular antenna network, Bluetooth, MIMO, UWB, and WiMax;
determining if the received geographical location of the mobile phone is within an allowed distance of a geographical location associated with the computer signature;
determining if the computer signature is a known computer signature; and
if the computer signature is not a known computer signature, taking at least one of the following actions:
(i) allocating a negative security score and
(ii) requiring additional authentication information from the user; or
if the computer signature is a known computer signature, and if the received geographical location of the mobile phone is within the acceptable distance, taking at least one of the following actions:
(i) allowing the user access to the website;
(ii) allowing the user to conduct the transaction; and
(iii) allocating a positive score to the user;
wherein a signature is known if it is found in a database containing previously-identified signatures.
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