System and method for geo-location-based mobile user authentication

A system for authenticating a mobile device, the system comprising:

• a server configured to receive, from the mobile device, a request to access at least one of a user account and user data, the request including current geo-location data indicating a current geographical location of the mobile device;
• and
• a processor of the server configured to:
• determine whether the current geo-location data is within at least one geo zone that indicates approved geographical areas where the mobile device can access the requested at least one of a user account and user data, and
• cause the mobile device to obtain access of the requested at least one of a user account and user data if the current geographical location of the mobile device is determined to be within the approved geographical areas.

A mobile device comprising:

• a global position system configured to generate current geo-location data indicating a current geographical location of the mobile device;
• and
• a processor configured to:
• transmit a request, to an authentication server, to access at least one of a user account and user data, the request including the current geo-location data, and
• access the requested at least one of a user account and user data if the current geographical location of the mobile device is determined by the authentication server to be within a predetermined geographical areas where the mobile device is approved to access the requested at least one of a user account and user data.