Patent ID: 7809651

Claim:
A method of authenticating an identity of a first entity, comprising the acts of: wirelessly transmitting from a first device to a second device, first encrypted authentication information of the first entity, wherein authentication information of the first entity included in the first encrypted authentication information includes each of a PIN provided by the first entity, a first portion of biometric data of the first entity and a time-varying value generated by the first device; transmitting, from the second device over a network, at least a portion of the authentication information of the first entity to a secure database; receiving, with the second device, a second portion of the biometric data of the first entity from the secure database; decrypting with the second device, the first encrypted authentication information to provide the authentication information of the first entity to the second device; combining, with the second device, the first portion of the biometric data and the second portion of the biometric data; authenticating with the second device the identity of the first entity based upon the authentication information and the combination of the first portion of the biometric data and the second portion of the biometric data of the first entity; and allowing the first entity to proceed with a computer assisted transaction or preventing the first entity from proceeding with the computer assisted transaction, respectively, based upon the authentication information and the combination of the first portion of the biometric data and the second portion of the biometric data.