Patent ID: 9680942
Date: 2017-06-13
CPC Classifications: G06Q,H04L,H04W

Claim:
1. A method comprising: receiving, at a server computer, portable device information and a mobile device identifier associated with a mobile device; storing, by the server computer, the portable device information and the mobile device identifier in a database associated with the server computer; receiving, by the server computer, first transaction data from an access device for a physical or proximity transaction conducted at the access device, wherein the physical or proximity transaction includes physically presenting the portable device to the access device to provide portable device data to the access device; determining, by the server computer, from the first transaction data that the physical or proximity transaction is associated with the portable device; determining, by the server computer, a location of the access device; determining, by the server computer, a location of the mobile device associated with the mobile device identifier; determining, by the server computer, that the location of the mobile device matches the location of the access device; marking, by the server computer, the stored portable device information and the stored mobile device identifier as authentication verified; generating, by the server computer, a verification value or a digital certificate indicating that the status of the portable device is authentication verified; storing, by the server computer, the verification value or the digital certificate; receiving, at the server computer, second transaction data from a transactor computer for a remote transaction conducted via the transactor computer, wherein the remote transaction includes providing the portable device data to the transactor computer over a network without physically presenting the portable device to an access device; determining, by the server computer, from the second transaction data that the remote transaction is associated with the portable device; determining, by the server computer, that the stored portable device information and the stored mobile device identifier are marked as authentication verified; identifying, by the server computer, the stored the verification value or the digital certificate; and sending, by the server computer, a message indicating the status of the portable device as authentication verified to the transactor computer or to an issuer, the message including the verification value or the digital certificate, wherein the verification value or the digital certificate is subsequently used in a determination as to whether the remote transaction is fraudulent.