This is a computer system designed to protect your identity and financial details during online transactions. It authenticates you using various methods, then routes your payment securely so the other party never sees your sensitive information. The system ensures your identity is verified and your payment is processed without exposing your personal data.
Why it matters: Filed before widespread mobile biometrics and mature mobile payment platforms like Apple Pay/Google Pay, which now make the authentication and detail abstraction much more feasible and user-friendly.
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