Method and system for multi-modal transaction authentication

This invention describes a system that uses a special software layer to authenticate mobile payment transactions. When a consumer makes a purchase at a store, their mobile device sends payment details and extra information, like their address, to this software. The system then processes this data to confirm the transaction, potentially sending the confirmation back through a separate communication channel.

Why it matters: While the core technology was established in 2023, recent advancements in secure API frameworks and federated identity management could simplify integrating the diverse data sources and entities required for this customizable authentication middleware.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSoftware logic, system integration, security protocols

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