Abstract: A method for authenticating a user transaction based upon scanned wireless signals is disclosed and includes receiving a wireless fingerprint from a mobile unit associated with a transaction by a user at a location, determining if the received wireless fingerprint matches a stored wireless fingerprint associated with the location, and authorizing the transaction if the received wireless fingerprint matches the stored wireless fingerprint associated with the location. If the location is not known or known as a “bad” location, additional information to authenticate the user or transaction can be requested from the user via a phone call, push notification within an application or a text message.

Abstract: A method for determining proximity of two or more mobile units within a defined locale is disclosed. Each of the mobile units is operable to scan at least a portion of the locale associated with the scanning one of the mobile units. The presence of the ones of the plurality of wireless devices is detected within the associated portion of the locale, detecting receiving the unique information from the detected ones of the plurality of wireless devices or device IDs. The received information is formed into a wireless fingerprint and transmitted to a server, which has a database of stored wireless fingerprints that are compared to the received fingerprint and a determination made as to the stored wireless fingerprints within the locale. The relative proximity position of the mobile devices associated with stored wireless fingerprints within the locale is then determined and are transmitted to the scanning one thereof.

Abstract: A method for authenticating a user transaction based upon scanned wireless signals is disclosed and includes receiving a wireless fingerprint from a mobile unit associated with a transaction by a user at a location, determining if the received wireless fingerprint matches a stored wireless fingerprint associated with the location, and authorizing the transaction if the received wireless fingerprint matches the stored wireless fingerprint associated with the location. If the location is not known or known as a “bad” location, additional information to authenticate the user or transaction can be requested from the user via a phone call, push notification within an application or a text message.

Abstract: A method for determining proximity of two or more mobile units within a defined locale is disclosed. Each of the mobile units is operable to scan at least a portion of the locale associated with the scanning one of the mobile units. The presence of the ones of the plurality of wireless devices is detected within the associated portion of the locale, detecting receiving the unique information from the detected ones of the plurality of wireless devices or device IDs. The received information is formed into a wireless fingerprint and transmitted to a server, which has a database of stored wireless fingerprints that are compared to the received fingerprint and a determination made as to the stored wireless fingerprints within the locale. The relative proximity position of the mobile devices associated with stored wireless fingerprints within the locale is then determined and are transmitted to the scanning one thereof.