Mastercard Incorporated
Mobile device user validation method and system

Abstract:

A system including a mobile device, a user of the mobile device, a computer system having a telecommunication module for telephonically communicating with the mobile device, a user of the computer system, and a security server is provided. Also provided is a method, at a mobile device, of authenticating a user of the mobile device during a telephone call having the steps of obtaining a user authentication input, obtaining validation of the user authentication input, initiating a telephone call with, or receiving a telephone call from, the computer system, and if the user authentication input is successfully validated, sending a token generated for the telephone call with the computer system via data-over-voice frequency signaling during the telephone call thereby providing an indication that the user authentication input has been successfully validated to the computer system.