Visa International Service Association

Finsphere Corporation

Charles L Dennis

Randall A Snyder

Michael F Buhrmann

Patrick J Boyle

Sunita Reddy

Michael P Mortier

Ajay Dankar

William M Ferguson

Mary Reeder

Jeffrey Brennan

Robert C Boxberger

Michael F Buhrman

Patrick E Boyle

An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.

System and method for mobile identity protection for online user authentication

A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.

System and method for automated analysis comparing a wireless device location with another geographic location

A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of the location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of the wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.

A method and system for authenticating a user includes providing an invocation element capable of being activated by a single user action, receiving an indication that the invocation element has been activated, obtaining a location of a wireless device associated with the user, determining whether the wireless device is associated with an authorized user, approving the user to use the application based on a predetermined location criterion, and producing an indication that the user has been authenticated.

Systems and methods for authenticating a user of a computer application, network, or device using a wireless device

An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX)to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.

A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of the location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location, Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of the wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.

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Issaquah, WA, United States of America

Charles L Dennis