Method and system for multi-modal transaction authentication

This invention describes a system for authenticating mobile payment transactions. When a user registers, a secure central computer assigns a payment account number and a unique digital token to their mobile device. To approve a transaction, the system uses specific rules and settings, which include a pre-defined sequence of biometric checks, like fingerprints or facial scans, and can derive tokens from the phone's secure hardware.

Why it matters: Filed before advanced multi-modal biometrics and secure mobile elements were common. Today, mobile devices and wearables have standardized, robust biometric sensors and secure hardware, making the "prescribed biometric correlation sequence" more feasible and user-friendly.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSecure backend software, mobile app, biometric integration

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