System and method for authentication of a registered mobile subscriber

An apparatus comprising:

• one or more computer systems to at least authenticate a mobile subscriber that has been registered via a registration process;
• the one or more computer systems further to:
• query for a current international mobile subscriber identifier associated with a mobile telephone number received electronically via a network;
• query for an entry of a database created via the registration process including an international mobile subscriber identifier associated with a received mobile telephone number at a time of mobile subscriber registration;
• compare at least the current international mobile subscriber identifier and the international mobile subscriber identifier of the entry of the database;
• verify status of an account of the mobile subscriber based at least in part on a match between the current international mobile subscriber identifier and the international mobile subscriber identifier of the entry of the database, wherein verification of the account status of the account comprises a determination regarding creditworthiness with respect to the account of the mobile subscriber;
• enter into the database one or more unique transaction identifiers corresponding to payment histories;
• and
• refine a fraud model based at least in part on the payment histories.

An article comprising:

• a non-transitory storage medium having stored thereon instructions executable by one or more computer systems, the executable instructions to at least authenticate a mobile subscriber that has been registered via a registration process;
• wherein the executable instructions are further to:
• query for a current international mobile subscriber identifier associated with a mobile telephone number received electronically via a network;
• query for a database for an entry created via the registration process including an international mobile subscriber identifier associated with a received mobile telephone number at a time of mobile subscriber registration;
• compare at least the current international mobile subscriber identifier and the international mobile subscriber identifier of the entry of the database;
• verify status of an account of the mobile subscriber based at least in part on a match between the current international mobile subscriber identifier and the international mobile subscriber identifier of the entry of the database, wherein the verification of the status of the account comprises a determination regarding creditworthiness with respect to the account of the mobile subscriber;
• enter into database one or more unique transaction identifiers corresponding to payment histories;
• and
• refine a fraud model based at least in part on the payment histories.