SYSTEM, METHOD, AND RECORDING MEDIUM FOR IDENTITY FRAUD PREVENTION IN SECURE TRANSACTIONS USING MULTI-FACTOR VERIFICATION

A secure transaction method, system, and computer program product including prior to authorizing a transaction distributing a location challenge code generated by a payment provider to a service provider module physically accessible to a user, distributing a biometric data request indicative of a lo...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser:	Ratha, Nalini K, Connell, Jonathan H, Sicconi, Roberta
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	A secure transaction method, system, and computer program product including prior to authorizing a transaction distributing a location challenge code generated by a payment provider to a service provider module physically accessible to a user, distributing a biometric data request indicative of a location of the user by the payment provider to the personal communication device of the user, sending the location challenge code and a biometric data response from the personal communication device of the user to the payment provider, verifying, via the payment provider a match between the biometric data response and biometric data of the user stored in a storage unit and a match between the location challenge code received from the personal communication device of the user and the location challenge code generated by the payment provider, and authorizing the transaction based on a result of the verifying.