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    Mobile number verification for mobile network-based authentication
    1.
    发明授权
    Mobile number verification for mobile network-based authentication 有权

    公开(公告)号：US11032272B2

    公开(公告)日：2021-06-08

    申请号：US16102624

    申请日：2018-08-13

    Applicant: ZUMIGO, INC.

    Inventor： Harish Manepalli ,  Chirag C. Bakshi

    IPC: H04L29/06 ,  H04W12/08 ,  H04W12/06 ,  H04W84/12

    Abstract: A mobile number of a mobile device can be employed as an authorization factor when the mobile device is connected to a WLAN. When a user attempts to interact with a restricted access server via the mobile device, verification functions loaded on the mobile device determine whether the mobile device is connected to a WLAN. If so, the verification functions cause the mobile device to open a port on the cellular network interface of the mobile device and transmit data packets to a mobile device identification server via a cellular network. The mobile device identification server can then determine the mobile number of the mobile device based on the cellular network IP address of the mobile device, and transmit the mobile number to the restricted access server as an authentication factor.

    Network ID device history and mobile account attributes used as a risk indicator in mobile network-based authentication
    3.
    发明授权
    Network ID device history and mobile account attributes used as a risk indicator in mobile network-based authentication 有权

    公开(公告)号：US11575671B2

    公开(公告)日：2023-02-07

    申请号：US16442323

    申请日：2019-06-14

    Applicant: ZUMIGO, INC.

    Inventor： Harish Manepalli ,  Chirag C. Bakshi ,  Venkatarama Parimi ,  Lyndi Rebecca Long

    IPC: H04L9/40 ,  H04W12/06 ,  G06F16/953

    Abstract: An authorization process employs a network ID as a possession factor for a secure account, such as a bank account or e-mail account, and determines one or more risk indicators associated with the possession factor. The authorization process is successfully completed when a risk score that is based on the risk indicators is less than a certain risk threshold. The risk indicators include a device history of the network ID and/or at least one attribute of a cellular account associated with the network ID. The device history identifies other mobile devices and/or SIM cards, if any, that have been previously activated with the network ID, while the one or more attributes can further indicate potentially fraudulent activity associated with the cellular account through which wireless services for the network ID are currently provided.

    System and method for transaction approval based on confirmation of proximity of mobile subscriber device to a particular location
    4.
    发明授权
    System and method for transaction approval based on confirmation of proximity of mobile subscriber device to a particular location 有权

    公开(公告)号：US10311423B2

    公开(公告)日：2019-06-04

    申请号：US14735042

    申请日：2015-06-09

    Applicant: ZUMIGO, INC.

    Inventor： Chirag C. Bakshi ,  Partha Roy Chowdhury ,  David Aaron Pinski

    IPC: G06Q20/32 ,  G06Q20/20

    Abstract: A user activity, which may be a debit or credit card transaction or an online access, is approved, or proximity between two users is confirmed, based on a response or other acknowledgement from a mobile subscriber terminal. The mobile subscriber terminal acknowledgement is generated in response to a query from an authorizing entity associated with the debit or credit card, or another mobile subscriber terminal, and indicates whether or not the mobile subscriber terminal is within a maximum allowable radius from a specific location included in the query. It is noted that no specific location information is included in the mobile subscriber terminal acknowledgement. An application downloaded to the mobile subscriber terminal may generate the above-described acknowledgement.

    Provision of one-time password after establishing a secure connection with a targeted device
    6.
    发明授权
    Provision of one-time password after establishing a secure connection with a targeted device 有权

    公开(公告)号：US11647387B2

    公开(公告)日：2023-05-09

    申请号：US16151187

    申请日：2018-10-03

    Applicant: ZUMIGO, INC.

    Inventor： Chirag C. Bakshi ,  Harish Manepalli ,  Venkatarama Parimi

    IPC: H04L29/06 ,  H04W12/06 ,  G06F16/9538 ,  G06Q20/40

    CPC classification number: H04W12/068 ,  G06F16/9538 ,  G06Q20/40

    Abstract: A one-time password (OTP) is transmitted to an authorized wireless device for use an authentication factor, even though the OTP may be intercepted or otherwise viewed with an unauthorized device. When a secure request is initiated that requires entry of an OTP as an authentication factor, a hyperlink is transmitted to a wireless device from which the secure request is initiated. When the hyperlink is selected, a connection is established with an entity that determines mobile number information associated with the SSL connection. Comparison of the determined mobile number information and the mobile number of the wireless device to which the hyperlink was intended to be sent indicates whether the wireless device that has established the SSL connection is the authorized wireless device. The OTP is displayed on the wireless device after that device has been verified as the authorized wireless device.

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