Patent ID: 7766223

Claim:
A system for executing transactions in connection with a user-account-based service by a user having a user account, said system comprising: a wireless adjunct device for receiving and transmitting information relating to the service via a wireless communication network, said wireless adjunct device having a unique identification number of a type which enables said wireless adjunct device to access the wireless communication network, said wireless adjunct device further having a first input device for inputting alpha, numeric, or alphanumeric data for transmission over the wireless communication network when the user attempts to execute a transaction and a second input device for inputting user biometric data for transmission over the wireless communication network when the user attempts to execute a transaction; a first level authentication database having stored therein said unique identification number, said unique identification number being associated with the user account; a first level authentication processor for verifying that the unique identification number transmitted by said wireless adjunct device matches said unique identification number stored in said first level authentication database and associated with the user account; a second level authentication database having stored therein an alpha, numeric, or alphanumeric password, said alpha, numeric, or alphanumeric password being associated with the user account; a second level authentication processor for verifying that alpha, numeric, or alphanumeric data input by the user and transmitted by the wireless adjunct device matches said alpha, numeric, or alphanumeric password stored in said second level authentication database and associated with the user account; a third level authentication database having stored therein a biometric data unit, said biometric data unit being associated with the user account; a third level authentication processor for verifying that the user biometric data transmitted by the wireless adjunct device matches said biometric data unit stored in said third level authentication database and associated with the user account.