Patent ID: 8555355

Claim:
A method comprising: generating, by a server device, a message based on an authentication request for a transaction, wherein the authentication request comprises first location information; transmitting, by the server device, the message to a remote device based on the authentication request, wherein the message prompts a pin pad application; receiving, by the server device, a message response from the remote device, wherein the message response comprises a first one time password (OTP) generated by the pin pad application of the remote device, and second location information; validating, by the server device, the first OTP; generating, by the server device, a success authentication response when the validating of the first OTP is successful, where the success authentication response comprises an approval of the transaction; calculating, by the server device, a risk score for the transaction based on the first and second location information; and transmitting, by the server device, the success authentication response and the risk score.