Patent ID: 7594605

Claim:
A credit card transaction server, comprising: a credit card transaction interface that is configured to receive information about a credit card transaction that is associated with a credit card; a wireless network interface that is configured to obtain location information for a plurality of wireless terminals that are associated with a wireless network provider; and a credit card transaction authorization processor that is configured: to store a registered purchasing location for a registered cardholder of a credit card in advance of a purchase being made with the credit card; to receive information from the credit card transaction interface concerning a prospective remote credit card transaction with the credit card, to instruct the wireless network interface to obtain location information from the wireless network provider for a wireless terminal that is associated with the registered cardholder of the credit card, to correlate a location of the wireless terminal with the registered purchasing location associated with the registered cardholder, and to generate authorization information for the prospective remote credit card transaction in response to a result of the correlation of the location of the wireless terminal and the registered purchasing location; wherein the information concerning the prospective remote credit card transaction comprises a credit card number associated with the credit card and an IP address associated with a computer terminal from which the prospective remote credit card transaction was initiated, wherein the credit card transaction authorization processor is further configured: to retrieve a profile associated with the credit card number from a profile database in response to receiving the information concerning the prospective remote credit card transaction, the profile including a wireless terminal identification number associated with the wireless terminal and an identification of the registered purchasing location; to obtain a geographic location associated with the IP address in response to the location of the wireless terminal not corresponding to the registered purchasing location; to compare the geographic location associated with the IP address with the location of the wireless terminal; and to obtain additional authentication information concerning the prospective remote credit card transaction in response to the location of the wireless terminal not corresponding to the geographic location associated with the IP address.