Patent ID: 9727866
Date: 2017-08-08
CPC Classifications: G06F,G06Q

Claim:
1. A computer-implemented method comprising: receiving, by an intermediate computer through a respective network, a request from a point of sale (POS) device of a merchant for data to be used to verify an identity of a consumer during a first transaction after the POS device has been accessed by the consumer to initiate the first transaction with a payment instrument tendered by the consumer; communicating, by the intermediate computer through a respective network, with a computer hosting an online social networking website and accessing or receiving data of an account the consumer has with the online social networking website; determining, by the intermediate computer, a challenge question and response options based at least in part upon the account data of the online social networking website, the response options comprising a valid response that is a content item of the account and at least one invalid response, wherein the valid response is selected from the consumer's account and at least one invalid response is selected from another account of another user of the online social networking website; transmitting, by the intermediate computer, the challenge question and the response options to the POS device; and transmitting, by the POS device, the challenge question and the response options to a mobile communication device of the consumer for presentation to the consumer through the mobile communication device, wherein the challenge question and the response options are presented to the consumer through a display of the mobile communication device, and the consumer interacts with the mobile communication device to select a response option to answer the challenge question for verification of the identity of the consumer before the first transaction has been completed based at least in part upon whether the consumer selects the valid response.