Patent ID: 11936803
Assignee: SPRIV LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method for validating an electronic transaction of an Internet user associated with a mobile phone, comprising:
(a) confirming the association of the mobile phone and the Internet user;
(b) receiving a first geographical location of the mobile phone, wherein consent to release the first geographical location is requested from and provided by the user via software on the mobile phone, and wherein the consent is requested prior to receiving the first geographical location;
(c) initiating a geographical comparison, wherein the geographical comparison checks if the first geographical location is within an allowable range of a second geographical location of the mobile phone,
wherein each of the first geographical location and the second geographical location is determined via a different source selected from the group comprising GPS, WiFi, other mobile phone antennas, and cellular base station;
wherein whether the first geographical location is within the allowable range of the second geographical location is determined by at least one of:
(i) whether a distance between the first geographical location and the second geographical location exceeds an allowed distance, and
(ii) whether the first geographical location and the second geographical location are both within an allowed area;

(d) if the first geographical location is within the allowable range of the second geographical location, taking at least one of the following actions:
(i) allowing the transaction, and
(ii) assigning a positive score to the transaction;

otherwise
(e) if the first geographical location is not within the allowable range of the second geographical location, taking at least one of the following actions:
(i) requiring additional authentication information of the Internet user, and
(ii) assigning a negative score to the transaction.