US20110208601A1 - System and method for financial transaction authentication using travel information - Google Patents

System and method for financial transaction authentication using travel information Download PDF

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Publication number
US20110208601A1
US20110208601A1 US13/030,794 US201113030794A US2011208601A1 US 20110208601 A1 US20110208601 A1 US 20110208601A1 US 201113030794 A US201113030794 A US 201113030794A US 2011208601 A1 US2011208601 A1 US 2011208601A1
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US
United States
Prior art keywords
travel
transaction
indication
location
authorization request
Prior art date
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Abandoned
Application number
US13/030,794
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English (en)
Inventor
William M. Ferguson
Steven A. Wickert
Mary A. Reeder
Anu K. Pathria
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa International Service Association
FINSHPERE CORP
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FINSHPERE CORP
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by FINSHPERE CORP filed Critical FINSHPERE CORP
Priority to US13/030,794 priority Critical patent/US20110208601A1/en
Publication of US20110208601A1 publication Critical patent/US20110208601A1/en
Assigned to FINSPHERE CORPORATION reassignment FINSPHERE CORPORATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: PATHRIA, ANU K, WICKERT, STEVEN A, FERGUSON, WILLIAM M, REEDER, MARY A
Priority to US13/737,901 priority patent/US9420448B2/en
Priority to US14/196,861 priority patent/US9432845B2/en
Priority to US14/446,626 priority patent/US9603023B2/en
Priority to US14/457,740 priority patent/US9154952B2/en
Priority to US14/594,822 priority patent/US20150142623A1/en
Priority to US14/639,396 priority patent/US20150178715A1/en
Priority to US14/867,382 priority patent/US9456348B2/en
Priority to US14/922,727 priority patent/US9838872B2/en
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION reassignment VISA INTERNATIONAL SERVICE ASSOCIATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: FINSPHERE CORPORATION
Priority to US15/204,842 priority patent/US9848298B2/en
Priority to US15/250,328 priority patent/US9801063B2/en
Priority to US15/427,712 priority patent/US10354253B2/en
Priority to US15/621,186 priority patent/US10455419B2/en
Priority to US15/711,406 priority patent/US10440572B2/en
Priority to US15/813,605 priority patent/US10669130B2/en
Priority to US16/368,380 priority patent/US10706419B2/en
Priority to US16/415,914 priority patent/US10776791B2/en
Priority to US16/564,166 priority patent/US20200008058A1/en
Priority to US16/568,649 priority patent/US11405781B2/en
Abandoned legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • This invention relates generally to authentication of financial account transactions (including non-monetary transactions or activities such as online banking logins) and, more specifically, to computerized authentication of transactions.
  • Financial fraud detection systems often presume that there is increased risk when a transaction on a customer's account occurs far from home.
  • customers of financial institutions travel, it is common for their attempted financial transactions while on the road to be declined.
  • the frequency of these declined transactions has been a chronic problem for the financial industry.
  • a common characteristic of compromised financial instruments is having a transaction far from home take place on the account.
  • distant transactions are legitimate.
  • organizations frequently decline these transactions they lose not only their reputation as a dependable financial institution, but also lose significant revenue from lost fees related to the declined transactions.
  • New authentication solutions have been introduced such as out-of-wallet questions, Chip and PIN, and Secure Code. However, easy and convenient authentication of customers continues to be elusive. Furthermore, these solutions can be enormously expensive.
  • FIG. 1 is a diagram of a computerized system in a financial network environment used to provide transaction authentication based on previous travel purchase information;
  • FIG. 2 is a flowchart of a method of authenticating financial transactions based on posting and authorization information
  • FIG. 3 is a flowchart of a method of providing transaction authentication based on bank card authorization transactions.
  • Systems and methods for financial transaction authentication using travel-related information are disclosed herein.
  • Systems and methods in accordance with an embodiment of the invention enhance existing financial transaction authentication solutions by analyzing travel-related purchase transactions for indications of future travel.
  • travel-related information can dramatically enhance the true understanding of the transaction risk, thereby ensuring better customer quality of service, increased authorizations and decreased false positive fraud indications.
  • Authentication using travel-related information provides financial institutions, processors and associations a new tool to increase approved transactions. From the resulting decreased fraud review workload in fraud operations centers, related organizations can transfer the new review capacity to finding additional fraudulent activities. To accomplish this, travel-related information is used that pertains to previously purchased travel-related transactions to identify the likelihood of future distant-from-home locations and timeframes of the bank customer. When a transaction occurs near locations that could be anticipated by an earlier transportation purchase by the bank customer, the transaction can be deemed less risky than if it were not known that the customer was going to be traveling to that location. The precise level of risk is determined by offline statistical modeling of variables generated from historic transaction data along with fraud results data. A statistical regression analysis or neural network modeling technique may be used, for example.
  • Financial institutions such as JPMorgan Chase & Co. (New York, N.Y. USA) and Citibank (New York, N.Y. USA), card associations such as Visa Inc. (San Francisco, Calif. USA) and MasterCard Worldwide (Harrison, N.Y. USA), processors such as Fiserv, Inc. (Brookfield, Wis. USA) and Total System Services, Inc. (TSYS) (Columbus, Ga. USA), and payment networks such as Automated Clearing House (ACH) and PayPal (San Jose, Calif. USA), rely on a combination of tools to attempt to authenticate financial transactions.
  • Authentication using travel-related information strengthens current investments in authentication technology. For example, a currently installed fraud detection system may indicate that a Moscow-located transaction for a Houston-based customer looks highly risky. Using travel-related information, the Moscow transaction may be further analyzed by looking for a previous transaction for that customer for an airline-purchase transaction to or near Moscow. That planned-travel knowledge enables authentication solutions to better distinguish legitimate from truly risky distant transactions.
  • FIG. 1 is a diagram of a computerized system 100 in a financial network environment used to provide transaction authentication using previous travel purchase information.
  • the system 100 is referred to as a travel analysis platform in some embodiments of the invention.
  • the system 100 includes a processor 102 in data communication with a memory 104 and an interface 106 .
  • the system 100 also includes a travel-related purchase data store 108 in data communication with the processor 102 .
  • the system 100 is also in data communication with a network 110 , such as the Internet.
  • a bank 112 , a customer 114 , a travel-related vendor 116 , a first merchant 118 designated as Merchant A, a second merchant 120 designated as Merchant B, and a point of service 122 are also shown in data communication with the network 110 .
  • the network 110 facilitates communication between the customer 114 and the travel-related vendor 116 , between the point of service 122 and the bank 112 , between the merchants 118 and 120 and the bank 112 , and between the system 100 and the bank 112 .
  • other forms of communication may be used between some or all of these entities.
  • a separate payment processing network may be used for communications between the bank 112 and the point of service 122 and/or between the bank 112 and the merchants 118 and 120 .
  • the bank 112 , the customer 114 , the travel-related vendor 116 , the first merchant 118 , the second merchant 120 , and the point of service 122 operate and communicate with computerized systems.
  • the computerized systems may include a display that allows transaction approval and decline messages to be viewed by a user.
  • a screen may be present at the point of service 122 that shows an approval or decline message or a display on a computerized device such as a mobile phone operated by the customer 114 may show an approval or decline message for transactions performed with the mobile phone.
  • the bank 112 serves as a credit card issuer to the customer 114 .
  • the customer 114 uses the credit card to make purchases from the travel-related vendor 116 , such as an airline or a travel agent and/or purchases from the first merchant 118 and the second merchant 120 . Later, the customer 114 uses the credit card at the point of service 122 which is located in a location that is at least a predetermined distance from the home of the customer 114 .
  • the system 100 is designed to authenticate transactions where banks are concerned with various types of fraud characterized by (among other things) remote-from-home activity.
  • the system has the ability to provide financial transaction authentication for at least the following non-limiting use cases: purchase transactions with a debit or credit card at a physical merchant terminal location; purchase transactions with a debit or credit card at an online merchant; purchase transactions with an alternative payment network such as Paypal at an online merchant; ATM activity with a debit or credit card; online banking related to an account with a debit card or credit card; and mobile banking related to an account with a debit card or credit card.
  • FIG. 2 is a flowchart of a method 200 of authenticating financial transactions based on posting and authorization information.
  • the bank customer 114 purchases a plane ticket for future distant travel from an airline or agent such as the travel vendor 116 with a bank card.
  • the airline or agent requests authorization from the card issuer such as the bank 112 for the ticket purchase.
  • the issuer bank 112 returns an authorization response message approving the transaction that is received by the airline or agent.
  • the airline or agent sends a posting transaction to the bank 112 including the itinerary for the ticket.
  • a posting transaction generally triggers a money transfer from the issuer bank to the merchant bank.
  • the posting transaction message format provides for travel specific information such as detailed flight information.
  • the bank 112 sends the authorization and posting data for the ticket purchase to a travel analysis platform such as the system 100 .
  • the travel analysis platform stores the transaction information (including the travel itinerary) in a database or other memory device such as the travel-related purchase data store 108 .
  • the customer performs a financial transaction at a point-of-service such as the point of service 122 (e.g., merchant POS, ATM, PC, Mobile Phone) far from home.
  • a point-of-service such as the point of service 122 (e.g., merchant POS, ATM, PC, Mobile Phone) far from home.
  • the point-of-service device sends an authorization request to the financial institution such as the bank 112 for approval.
  • the bank's legacy fraud system indicates that the remote transaction is high risk and the account is flagged to be blocked.
  • the same authorization request is sent to the travel analysis platform from the bank 112 .
  • the authorization request sent to the travel analysis platform from the bank 112 may differ in some manner from the initial authorization request from the point of service 122 to the bank 112 .
  • a merchant can send additional information to the travel analysis program, such as IP address information, purchase information and/or information related to the purchaser like an IP address used.
  • the travel analysis platform analyzes historic transaction detail for the account including the airline ticket purchase relating to planned travel that matches the geographic area and date of the new transaction.
  • the processor 102 analyzes information previously stored in the travel-related purchase data store 108 based on programming instructions stored in the memory 104 .
  • the transaction analysis platform determines whether there is low risk from the new transaction.
  • a message is sent from the travel analysis platform to the bank 112 to unblock the account at a block 226 .
  • an indicator that corresponds to a level of the risk determined by the system 100 is sent rather than an unblock message.
  • a transaction approval is sent from the bank 112 to the point of service 122 based on the information received at the bank 112 from the system 100 .
  • an authorization response is sent with “Approve.” If the service performs in “one-behind” mode, the current transaction may still be blocked, but subsequent transactions could be approved. If it was determined at the decision block 224 that the risk level is not low, an indication is sent from the system 100 to the bank 112 that the risk level is high at a block 230 . Then, at a block 232 , a transaction decline is sent from the bank 112 to the point of service 122 .
  • FIG. 3 is a flowchart of a method 400 of providing transaction authentication based on bank card authorization transactions.
  • the bank customer 114 makes various purchases with a bank card before traveling at vendors such as the first merchant 118 and the second merchant 120 , for example.
  • the merchants 118 and 120 request authorization from the card issuer such as the bank 112 .
  • the issuer bank 112 returns an authorization response message for each transaction that is received by the merchants 118 and 120 .
  • the bank 112 sends the authorization data for the pre-travel purchase to a travel analysis platform such as the system 100 .
  • the travel analysis platform stores the transaction information in a database or other memory device such as the travel-related purchase data store 108 .
  • the customer 114 performs a financial transaction at a predetermined distance from their home location.
  • the point-of-service device 122 e.g., merchant terminal, ATM, PC, Mobile Phone
  • a bank's legacy fraud system which is complemented by the systems and methods disclosed herein, indicates that the remote transaction is high risk and the account is flagged to be blocked.
  • the same authorization request is sent from the bank 112 to the travel analysis platform.
  • the authorization request sent to the travel analysis platform from the bank 112 may differ in some manner from the initial authorization request from the point of service 122 to the bank 112 .
  • the travel analysis platform analyzes historic transaction detail for the account including the travel-related purchase information that matches the geographic area and date of the new transaction.
  • the transaction analysis platform determines whether there is low risk from the new transaction.
  • a message is sent from the travel analysis platform to the bank 112 to unblock the account at a block 424 .
  • an indicator that corresponds to a level of the risk determined by the system 100 is sent rather than an unblock message.
  • a transaction approval is sent from the bank 112 to the point of service 122 based on the information received at the bank 112 from the system 100 . If the service performs in real time, an authorization response is sent with “Approve.” If the service performs in “one-behind” mode, the current transaction may still be blocked, but subsequent transactions could be approved.
  • a number of variables may be derived for a modeling and scoring process performed by the system 100 for any given moment in a financial account in determining the risk level at the blocks 222 and 420 .
  • the derived variables include geographic distance between the home address of the customer 114 and a location of the current transaction point of service 122 , geographic distance between an airport on the travel itinerary (as identified in card posting data, for example) and the point of service location of the current transaction, and/or time difference between the current transaction and the expected on-the-ground period of the nearest airport on the travel itinerary (as identified in posting data, for example).
  • additional factors may also be used in deriving variables. For example, when traveling in the past, whether the customer has visited this particular merchant before, or this particular chain. If so, this may be indicative of current legitimate travel.
  • An additional factor is whether the customer has recently made purchases at merchant types that are highly indicative of pending legitimate travel such as travel services, dry cleaning, pre-paid airport parking, pre-paid car rental, or hotel reservations, for example. This might be determined from analyzing whether the merchant identifiers from purchases are within numeric blocks of merchant identifiers reserved for hotels and car rentals, for example.
  • the system may analyze factors such as seasonality of travel; property ownership, reward card points, and/or previous travel habits.
  • Additional factors related to airline ticket purchases may also be used.
  • the magnitude of the price for airline ticket purchases may be used, for example.
  • Pricing information may be indicative of distance and also indicative of the time window between when the travel was purchased and when the travel occurs.
  • Other variables related to likely destination location and distance from home may also be used based on what air carrier the travel will be on. For example, Hawaiian Air flies between the contiguous United States to Hawaii and only a few other places. Airlines such as British Air, Aer Lingus, Aeroflot, Air Nippon, and Quantas do not fly domestic U.S. routes. Knowing the air carrier to be used by a legitimate customer can help predict the reasonableness of the locations of purchases made far from the customer's home location.

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US13/030,794 2007-03-16 2011-02-18 System and method for financial transaction authentication using travel information Abandoned US20110208601A1 (en)

Priority Applications (19)

Application Number Priority Date Filing Date Title
US13/030,794 US20110208601A1 (en) 2010-02-19 2011-02-18 System and method for financial transaction authentication using travel information
US13/737,901 US9420448B2 (en) 2007-03-16 2013-01-09 System and method for automated analysis comparing a wireless device location with another geographic location
US14/196,861 US9432845B2 (en) 2007-03-16 2014-03-04 System and method for automated analysis comparing a wireless device location with another geographic location
US14/446,626 US9603023B2 (en) 2007-03-16 2014-07-30 System and method for identity protection using mobile device signaling network derived location pattern recognition
US14/457,740 US9154952B2 (en) 2007-03-16 2014-08-12 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US14/594,822 US20150142623A1 (en) 2007-03-16 2015-01-12 System and method for identity protection using mobile device signaling network derived location pattern recognition
US14/639,396 US20150178715A1 (en) 2007-03-16 2015-03-05 Authenticating entities engaging in automated or electronic transactions or activities
US14/867,382 US9456348B2 (en) 2007-03-16 2015-09-28 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US14/922,727 US9838872B2 (en) 2007-03-16 2015-10-26 System and method for mobile identity protection for online user authentication
US15/204,842 US9848298B2 (en) 2007-03-16 2016-07-07 System and method for automated analysis comparing a wireless device location with another geographic location
US15/250,328 US9801063B2 (en) 2007-03-16 2016-08-29 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US15/427,712 US10354253B2 (en) 2007-03-16 2017-02-08 System and method for identity protection using mobile device signaling network derived location pattern recognition
US15/621,186 US10455419B2 (en) 2007-03-16 2017-06-13 System and method for mobile identity protection for online user authentication
US15/711,406 US10440572B2 (en) 2007-03-16 2017-09-21 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US15/813,605 US10669130B2 (en) 2007-03-16 2017-11-15 System and method for automated analysis comparing a wireless device location with another geographic location
US16/368,380 US10706419B2 (en) 2010-02-19 2019-03-28 System and method for financial transaction authentication using travel information
US16/415,914 US10776791B2 (en) 2007-03-16 2019-05-17 System and method for identity protection using mobile device signaling network derived location pattern recognition
US16/564,166 US20200008058A1 (en) 2007-03-16 2019-09-09 Systems and methods for authenticating a user of a computer application, network, or device using a wirelsss device
US16/568,649 US11405781B2 (en) 2007-03-16 2019-09-12 System and method for mobile identity protection for online user authentication

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US30636910P 2010-02-19 2010-02-19
US13/030,794 US20110208601A1 (en) 2010-02-19 2011-02-18 System and method for financial transaction authentication using travel information

Related Parent Applications (4)

Application Number Title Priority Date Filing Date
US13/382,900 Continuation-In-Part US20120130898A1 (en) 2009-07-07 2010-07-07 Mobile directory number and email verification of financial transactions
PCT/US2010/041264 Continuation-In-Part WO2011005900A1 (fr) 2007-03-16 2010-07-07 Vérification par numéro d'appel mobile et courrier électronique de transactions financières
US13/567,468 Continuation-In-Part US8831564B2 (en) 2007-03-16 2012-08-06 System and method for identity protection using mobile device signaling network derived location pattern recognition
US14/446,626 Continuation-In-Part US9603023B2 (en) 2007-03-16 2014-07-30 System and method for identity protection using mobile device signaling network derived location pattern recognition

Related Child Applications (11)

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PCT/US2009/003007 Continuation-In-Part WO2009139890A1 (fr) 2007-03-16 2009-05-13 Systèmes et procédés d'authentification d'un utilisateur d'une application d'ordinateur, d’un réseau ou d’un dispositif utilisant un dispositif sans fil
US12/992,064 Continuation-In-Part US8839394B2 (en) 2007-03-16 2009-05-13 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US99206411A Continuation-In-Part 2007-03-16 2011-02-09
US13/030,759 Continuation-In-Part US20110202407A1 (en) 2007-03-16 2011-02-18 System and method for improving internet search results using telecommunications data
US13/737,901 Continuation-In-Part US9420448B2 (en) 2007-03-16 2013-01-09 System and method for automated analysis comparing a wireless device location with another geographic location
US14/446,626 Continuation-In-Part US9603023B2 (en) 2007-03-16 2014-07-30 System and method for identity protection using mobile device signaling network derived location pattern recognition
US14/457,740 Continuation-In-Part US9154952B2 (en) 2007-03-16 2014-08-12 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US14/867,382 Continuation-In-Part US9456348B2 (en) 2007-03-16 2015-09-28 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US14/867,382 Continuation US9456348B2 (en) 2007-03-16 2015-09-28 Systems and methods for authenticating a user of a computer application, network, or device using a wireless device
US14/922,727 Continuation-In-Part US9838872B2 (en) 2007-03-16 2015-10-26 System and method for mobile identity protection for online user authentication
US16/368,380 Continuation US10706419B2 (en) 2010-02-19 2019-03-28 System and method for financial transaction authentication using travel information

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US20110208601A1 true US20110208601A1 (en) 2011-08-25

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US13/030,794 Abandoned US20110208601A1 (en) 2007-03-16 2011-02-18 System and method for financial transaction authentication using travel information
US16/368,380 Active US10706419B2 (en) 2010-02-19 2019-03-28 System and method for financial transaction authentication using travel information

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US16/368,380 Active US10706419B2 (en) 2010-02-19 2019-03-28 System and method for financial transaction authentication using travel information

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EP (1) EP2537134A4 (fr)
CA (1) CA2832545C (fr)
WO (1) WO2011103432A2 (fr)

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US20190279209A1 (en) 2019-09-12
US10706419B2 (en) 2020-07-07
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WO2011103432A3 (fr) 2012-12-06
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EP2537134A2 (fr) 2012-12-26
EP2537134A4 (fr) 2014-01-08

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