Finsphere was founded on a simple, yet powerful vision: using your mobile phone as a proxy for your identity. I've been working with Finsphere for the past 6 months, and they've just been granted a ground breaking patent: http://www.prnewswire.com/news-releases/finsphere-corporation-announces-issuance-of-4th-patent-to-growing-portfolio-of-mobile-identity-authentication-analytics-173709171.html
From their Web site (www.finsphere.com):
Global telecommunications standards enforce a unique one-to-one relationship between each subscriber's mobile phone number and their physical mobile handset. This connection is secure and is difficult to compromise. This concept of "one number, one phone" is what makes Mobile-as-Identity a unique and unmatched means to authenticate individuals.
Finsphere’s Identity Authentication Services (IAS) unlock the potential for securing access to sensitive information, preventing account compromises, and reducing financial fraud loss, all while enhancing the end user experience. Our team has spent more than four years building the patented Identity Authentication Services (IAS) platform and services around this central belief. Today, IAS is a flexible, location-based precision analytics engine that is highly effective in solving real-world digital identity management problems. More importantly, its non-intrusive approach does not require end users to answer calls, respond to messages, receive one-time-passwords, download applications, or perform any additional action that interferes with typical financial transactions or access events as they are performed today.