Location based authentication

A method for conducting a transaction, the method comprising:

• receiving, at a server, first location information associated with a location of a mobile communication device of a consumer during a transaction conducted with a merchant;
• receiving, at the server, second location information associated with a geographic location of the merchant at a time of the transaction, wherein the second location information is transferred from the merchant to the mobile communication device during the transaction, and wherein the second location information is then forwarded to the server from the mobile communication device instead of from an access device operated by the merchant;
• using the server, determining that a portable consumer device held by the consumer is authentic when the first location information matches the second location information;
• and
• wherein the first location information and the second location information are received from the mobile communication device held by the consumer, and wherein the second location information is provided to the mobile communication device directly from the access device operated by the merchant.

A server comprising:

• a processor;
• and
• a computer readable medium, the computer readable medium comprising code, executable by the processor, to implement a method comprising:
• receiving first location information associated with a location of a mobile communication device of a consumer during a transaction conducted with a merchant;
• receiving second location information associated with a fixed geographic location of the merchant at a time of the transaction, wherein the second location information is transferred from the merchant to the mobile communication device during the transaction, and wherein the second location information is then forwarded to the server from the mobile communication device instead of from an access device operated by the merchant;
• determining that a portable consumer device held by the consumer is authentic when the first location information matches the second location information;
• and
• wherein the first location information and the second location information are received from the mobile communication device held by the consumer, and wherein the second location information is provided to the mobile communication device directly from the access device operated by the merchant.

A method for conducting a transaction, the method comprising:

• providing first location information to a server computer, wherein the first location information corresponds to a location of a mobile communication device held by a consumer during a transaction conducted with a merchant;
• and
• providing second location information to the server computer, wherein the second location information corresponds to a geographic location of the merchant at a time of the transaction, wherein the second location information is transferred from the merchant to the consumer's mobile communication device during the transaction and is thereafter forwarded to the server computer from the mobile communication device instead of from the merchant,
• wherein the server computer is configured to determine that a portable consumer device used in the transaction is authentic when the first location information matches with the second location information;
• and
• wherein the second location information is generated by an access device operated by the merchant, and
• the first location information and the second location information are received from the mobile communication device, wherein the second location information is provided to the mobile communication device directly from the access device operated by the merchant.