Patent ID: 7584482

Claim:
A transaction authentication system comprising: means adapted for receiving into a transaction device, from a remote user terminal, transaction request data representative of a request for completion of a selected transaction associated with a selected user, the transaction request data including identification data corresponding to the selected user; the transaction device including means adapted for communicating the identification data to an associated database, the database including means for receiving, from the user, data corresponding to user-customized, preauthorized geographic locations associated with the identification data; means adapted for receiving, from the database, region data representative of a preauthorized geographic region associated with the selected user, from which selected transactions are enabled; means adapted for receiving location data from the transaction device to an authentication server, which location data is representative of a source geographic region corresponding to the transaction device; testing means adapted for testing the region data against the location data; and means adapted for generating authorization data representative of an output of the test means.