Mobile directory number and email verification of financial transactions

Abstract

Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.

1 . A method of verifying a financial transaction comprising:
 receiving an account number from a computerized payment network at a computerized verification system;   sending a query including the account number from the computerized verification system to a financial institution associated with the account number;   receiving a wireless device ID at the computerized verification system from the financial institution in response to the query;   determining a fraud indicator based on the wireless device ID received from the financial institution using the computerized verification system; and   sending the fraud indicator from the computerized verification system to the computerized payment network.   
     
     
         2 . The method of verifying a financial transaction according to  claim 1 , further comprising:
 receiving a wireless device ID from the payment network at the computerized verification system,   wherein determining the fraud indicator is also based on the wireless device ID received from the payment network.   
     
     
         3 . The method of verifying a financial transaction according to  claim 2 , wherein determining the fraud indicator is based on whether the wireless device ID received from the financial institution matches the wireless device ID received from the payment network. 
     
     
         4 . The method of verifying a financial transaction according to  claim 1 , further comprising:
 receiving location data associated with the wireless device ID from a wireless network at the computerized verification system,   wherein determining the fraud indicator is also based on the wireless device ID location data.   
     
     
         5 . The method of verifying a financial transaction according to  claim 1 , further comprising:
 receiving at least one additional telephone directory number associated with the account number from the financial institution at the computerized verification system,   wherein determining the fraud indicator is also based on the received telephone directory numbers.   
     
     
         6 . The method of verifying a financial transaction according to  claim 1 , further comprising:
 receiving supplementary subscription data associated with the wireless device ID from a wireless network at the computerized verification system,   wherein determining the fraud indicator is also based on the supplementary subscription data.   
     
     
         7 . The method of verifying a financial transaction according to  claim 1 , further comprising determining whether the transaction should be authorized based on the fraud indicator at the computerized payment network. 
     
     
         8 . The method of verifying a financial transaction according to  claim 7 , further comprising presenting an authorization indicator on a computerized device based on whether the computerized payment network determined the transaction should be authorized. 
     
     
         9 . A method of verifying a financial transaction comprising:
 receiving an account number from a payment network at a computerized verification system;   sending a first query including the account number from the computerized verification system to a financial institution associated with the account number;   receiving an email address associated with the account number at the computerized verification system from the financial institution in response to the first query;   sending a second query including the received email address from the computerized verification system to an email service provider associated with the email address;   receiving email address data, including IP address data associated with accesses of the email address at the computerized verification system from the email service provider in response to the second query;   determining a fraud indicator based on the email address data using the computerized verification system; and   sending the fraud indicator from the computerized verification system to the computerized payment network.   
     
     
         10 . The method of verifying a financial transaction according to  claim 9 , further comprising:
 receiving an email address from the payment network,   wherein determining the fraud indicator is also based on the email address received from the payment network   
     
     
         11 . The method of verifying a financial transaction according to  claim 8 , further comprising:
 receiving IP address data from the payment network,   wherein determining the fraud indicator is also based on the IP address data received from the payment network.   
     
     
         12 . The method of verifying a financial transaction according to  claim 9 , further comprising determining whether the transaction should be authorized based on the fraud indicator at the computerized payment network. 
     
     
         13 . The method of verifying a financial transaction according to  claim 9 , further comprising presenting an authorization indicator on a computerized device based on whether the computerized payment network determined the transaction should be authorized.