Data verification in transactions in distributed network

A method comprising:

• receiving, by a transaction verification processing module and from a computer, an account number associated with a user and a first wireless device ID associated with the computer;
• sending, by the transaction verification processing module and over a first network, a query including the account number from the transaction verification processing module to an institution;
• receiving, by the transaction verification processing module and over the first network, a second wireless device ID for a second wireless device at the transaction verification processing module from the institution in response to the query;
• passing, by the transaction verification processing module, the second wireless device ID to a wireless device location module, which communicates with a wireless network to obtain location data pertaining to the second wireless device ID;
• receiving, by the transaction verification processing module, the location data pertaining to the second wireless device ID from the wireless device location module;
• receiving, by the transaction verification processing module, a first e-mail address from the computer at the transaction verification processing module;
• passing, by the transaction verification processing module, the first e-mail address and the account number to the institution;
• receiving, by the transaction verification processing module and over the first network, a second e-mail address from the institution;
• assigning a first weighting factor of a set of weighting factors based on a number of common parameters between the first wireless device ID and the second wireless device ID, each of the set of weighting factors indicative of a relative likelihood of a transaction being fraudulent;
• assigning a second weighting factor of the set of weighting factors based on a proximity between the computer and the second wireless device provided in the location data;
• assigning a third weighting factor of the set of weighting factors based on a number of common parameters between the first e-mail address and the second e-mail address;
• and
• generating, by the transaction verification processing module, an identity risk value based on the set of weighting factors;
• and
• sending, by the transaction verification processing module, the identity risk value to the computer.

A computerized verification system comprising:

• one or more processors, and one or more non-transitory computer readable media coupled to the one or more processors, the one or more non-transitory computer readable media comprising code, executable by the processor, to perform steps comprising:
• receiving, by a transaction verification processing module and from a computer, an account number associated with a user and a first wireless device ID associated with the computer;
• sending, over a first network, a query including the account number from the transaction verification processing module to an institution;
• receiving, over the first network, a second wireless device ID for a second wireless device at the transaction verification processing module from the institution in response to the query;
• passing the second wireless device ID to a wireless device location module, which communicates with a wireless network to obtain location data pertaining to the second wireless device ID;
• receiving the location data pertaining to the second wireless device ID from the wireless device location module;
• receiving a first e-mail address from the computer at the transaction verification processing module;
• passing the first e-mail address and the account number to the institution;
• receiving, over the first network, a second e-mail address at the transaction verification processing module from the institution;
• assigning a first weighting factor of a set of weighting factors based on a number of common parameters between the first wireless device ID and the second wireless device ID, each of the set of weighting factors indicative of a relative likelihood of a transaction being fraudulent;
• assigning a second weighting factor of the set of weighting factors based on a proximity between the computer and the second wireless device provided in the location data;
• assigning a third weighting factor of the set of weighting factors based on a number of common parameters between the first e-mail address and the second e-mail address;
• generating an identity risk value based on the set of weighting factors;
• and
• sending the identity risk value to the computer.

A method comprising:

• transmitting, by a computer to a transaction verification processing module, an account number associated with a user and a first wireless device ID associated with the computer, wherein the transaction verification processing module is programmed to:
• send, over a first network, a query including the account number from the transaction verification processing module to an institution;
• receive, over the first network, a second wireless device ID for a second wireless device at the transaction verification processing module from the institution in response to the query;
• pass the second wireless device ID to a wireless device location module, which communicates with a wireless network to obtain location data pertaining to the second wireless device ID;
• receive the location data pertaining to the second wireless device ID from the wireless device location module;
• receive a first e-mail address from the computer at the transaction verification processing module;
• pass the first e-mail address and the account number to the institution;
• receive, over the first network, a second e-mail address from the institution;
• assign a first weighting factor of a set of weighting factors based on a number of common parameters between the first wireless device ID and the second wireless device ID, each of the set of weighting factors indicative of a relative likelihood of a transaction being fraudulent;
• assign a second weighting factor of the set of weighting factors based on a proximity between the computer and the second wireless device provided in the location data;
• assign a fourth weighting factor of the set of weighting factors based on a number of common parameters between the first e-mail address and the second e-mail address;
• and
• generate an identity risk value based on the set of weighting factors;
• and
• receiving, by the computer from the transaction verification processing module, the identity risk value.