Abstract: A method for authenticating the identity of a user who is attempting to access a website or conduct a transaction is described. The method involves receiving two geographical locations, and associated time stamps, of a mobile phone associated with the user, one of the locations being the location of the transaction or access attempt. The method determines whether the speed required to travel between the two geographical locations in the elapsed time is within acceptable limits. A confidence score, derived in part from this calculation, is taken into account when deciding whether to allow or deny the access or the transaction.

Abstract: A method for authenticating the identity of a user who is attempting to access a website or conduct a transaction is described. The method involves receiving two geographical locations, and associated time stamps, of a mobile phone associated with the user, one of the locations being the location of the transaction or access attempt. The method determines whether the speed required to travel between the two geographical locations in the elapsed time is within acceptable limits. A confidence score, derived in part from this calculation, is taken into account when deciding whether to allow or deny the access or the transaction.

Abstract: A method and system for validating an Internet transaction by geographically locating the user's mobile phone and the location of the transaction. The invention also provides a method for detecting and reducing the incidence of fraud during electronic transactions, by generating an alert if the two locations do not match in geographical proximity. The method does not require any user intervention other than the user's interaction with an Internet site via the Internet user's Internet browser.

Abstract: A method for authenticating a user prior to allowing a transaction or access to a website, in which the user's computer is identified via a recognized computer signature that is associated with a geographical location. The location of the user's cell phone is compared to the associated location, and the transaction or access is permitted if the difference in locations is within a predetermined acceptable distance.

Abstract: A computer system is configured to authenticate the identity of a user who is attempting to access a website or conduct a transaction. The system is configured to receive a geographical location associated with the user and to receive the geographical location of a mobile phone associated with the user, and to determine whether the two geographical locations are within an acceptable distance.

Abstract: A method for validating an electronic transaction of an Internet user associated with a mobile phone, by comparing the present location of the mobile phone to a past location, and validating the transaction only if the time and distance between locations, and/or the implied velocity of motion between the locations, are within acceptable ranges.

Abstract: A computer system is configured to authenticate the identity of a user who is attempting to access a website or conduct a transaction. The system is configured to receive a geographical location associated with the user and to receive the geographical location of a mobile phone associated with the user, and to determine whether the two geographical locations are within an acceptable distance.

Abstract: A method for authenticating the identity of a user who is attempting to access a website or conduct a transaction is described. The method involves receiving two geographical locations, and associated time stamps, of a mobile phone associated with the user, one of the locations being the location of the transaction or access attempt. The method determines whether the speed required to travel between the two geographical locations in the elapsed time is within acceptable limits. A confidence score, derived in part from this calculation, is taken into account when deciding whether to allow or deny the access or the transaction.

Abstract: A method for authenticating a user prior to allowing a transaction or access to a website, in which the user's computer is identified via a recognized computer signature that is associated with a geographical location. The location of the user's cell phone is compared to the associated location, and the transaction or access is permitted if the difference in locations is within a predetermined acceptable distance.

Abstract: A computer system is configured to authenticate the identity of a user who is attempting to access a website or conduct a transaction. The system is configured to receive a geographical location associated with the user and to receive the geographical location of a mobile phone associated with the user, and to determine whether the two geographical locations are within an acceptable distance.

Abstract: A method for validating an electronic transaction of an Internet user associated with a mobile phone, by comparing the present location of the mobile phone to a past location, and validating the transaction only if the time and distance between locations, and/or the implied velocity of motion between the locations, are within acceptable ranges.

Abstract: A computer system configured to authenticate the identity of a user who is attempting to access a website or conduct a transaction is provided. The system is configured to receive a geographical location associated with the user and to receive the geographical location of a mobile phone associated with the user, and to determine whether the two geographical locations are within an acceptable distance. The system is configured to take into account the accuracy of the mobile phone location.

Abstract: A method and system for acquiring an Internet user's consent to be geographically located via at least two independent sources of geographical information. At least one independent source of geographical information is the wireless location of the Internet user's mobile phone.

Abstract: A computer-implemented method of authenticating the identity of a user is provided, where the user is associated with a computer signature and is in possession of a cell phone. The method involves obtaining a current geographical location of the cell phone, determining if the computer signature is associated in a database with a stored geographical location of the phone, and, if the computer signature is associated in the database with a stored geographical location, comparing the stored geographical location to the current geographical location of the phone.

Abstract: A method and system for acquiring an Internet user's consent to be geographically located via at least two independent sources of geographical information. At least one independent source of geographical information is the wireless location of the Internet user's mobile phone.

Abstract: A computer-implemented method of authenticating the identity of a user is provided, where the user is associated with a computer signature and is in possession of a cell phone. The method involves obtaining a current geographical location of the cell phone, determining if the computer signature is associated in a database with a stored geographical location of the phone, and, if the computer signature is associated in the database with a stored geographical location, comparing the stored geographical location to the current geographical location of the phone.

Abstract: A computer system configured to authenticate the identity of a user who is attempting to access a website or conduct a transaction is provided. The system is configured to receive a geographical location associated with the user and to receive the geographical location of a mobile phone associated with the user, and to determine whether the two geographical locations are within an acceptable distance. The system is configured to take into account the accuracy of the mobile phone location.

Abstract: A computer-implemented method of authenticating the identity of a user is provided, where the user is associated with a computer signature and is in possession of a mobile phone. The method involves obtaining a current geographical location of the mobile phone, determining if the computer signature is associated in a database with a stored geographical location of the phone, and, if the computer signature is associated in the database with a stored geographical location, comparing the stored geographical location to the current geographical location of the phone.

Abstract: The invention provides a method for verifying the identity of an internet user, or for detecting the misuse of an identity, during an on-line transaction. The method involves comparing the geographic location of the transaction to the geographic location of the user's cell phone or other mobile device, and taking a geographically close location relationship between the two as a positive indication of identity. A reasonable travel time between the two locations can be taken into account so as to reduce the incidence of false negatives, and to improve the reliability of positive identifications.

Abstract: A computer-implemented method of authenticating the identity of a user is provided, where the user is associated with a computer signature and is in possession of a mobile phone. The method involves obtaining a current geographical location of the mobile phone, determining if the computer signature is associated in a database with a stored geographical location of the phone, and, if the computer signature is associated in the database with a stored geographical location, comparing the stored geographical location to the current geographical location of the phone.