Location-based detection of unauthorized use of interactive computing environment functions

A method in which one or more processing devices of an identification-and-authentication system perform operations comprising:

• obtaining, via a first communication channel with a host server, a data network identifier that identifies a mobile device accessing an interactive computing environment provided by the host server;
• generating, from communications with a telecommunication provider server via a second communication channel that is out-of-band with respect to the first communication channel, a dynamic identity-verification element comprising (i) the data network identifier and (ii) a location identifier that identifies a geographic location of the mobile device;
• matching the dynamic identity-verification element to a device-and-location combination indicating unauthorized use of the host server by the mobile device;
• and
• preventing the mobile device from accessing a function for advancing an electronic transaction within the interactive computing environment.

An identification-and-authentication system comprising:

• a network interface device communicatively coupled to (i) a host server via a first communication channel and (ii) a telecommunication provider server via a second communication channel that is out-of-band with respect to the first communication channel;
• a non-transitory computer-readable medium storing instructions;
• and
• a processing device communicatively coupled to the network interface device and the non-transitory computer-readable medium,
• wherein the processing device is configured to execute the instructions and thereby perform operations comprising:
• obtaining, via the first communication channel, a data network identifier that identifies a mobile device accessing an interactive computing environment provided by the host server,
• generating, from communications with a telecommunication provider server via a second communication channel that is out-of-band with respect to the first communication channel, a dynamic identity-verification element comprising (i) the data network identifier and (ii) a location identifier that identifies a geographic location of the mobile device during an electronic transaction,
• computing, from the dynamic identity-verification element, an indicator of unauthorized use of the host server by the mobile device, and
• preventing the mobile device from accessing a function for advancing an electronic transaction within the interactive computing environment.