SYSTEM AND METHOD FOR MOBILE SECURE TRANSACTION CONFIDENCE SCORE
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United States of America Patent
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Issued Date -
Aug 18, 2011
app pub date -
Feb 15, 2010
filing date -
Feb 15, 2010
priority date (Note) -
Abandoned
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Abstract
A computerized system and method for determining a mobile secure transaction confidence (MSTC) score and reporting the MSTC score to a financial transactor, such as a merchant or payment processor, is disclosed. The system includes a mobile device, such as a smart phone having a touch screen display, and sensors, such as an accelerometer. The method includes steps of collecting operational data for a mobile device, recording the operational data to establish short term and long term patterns pertaining to mobile device interaction characteristics, user traits, mobile device use characteristics or combinations thereof. Other steps include determining the MSTC score by comparison of the short term and long term patterns for the device interaction characteristics, user traits, and device use characteristics, then reporting the secure transaction confidence score to a financial transactor.
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