Patent ID: 8924296

Claim:
A method for securing a trusted communications channel for a mobile financial transaction, the method comprising: receiving, from a user via an external terminal, an access control entitlement request, wherein the request corresponds to a financial transaction; computing, by a processor included in a machine, a total risk level associated with the financial transaction; storing, in a database, a table that matches a plurality of total risk levels to a plurality of required trust scores, correspondingly, wherein, for a transaction having one of the plurality of total risk levels, the corresponding required trust score is required in order to be granted the access control entitlement; determining which of the plurality of required trust scores is required in order to be granted the access control entitlement by: matching, by the processor, the computed total risk level associated with the financial transaction to a corresponding one of the plurality of total risk levels stored in the database, and identifying, in the table, one required trust score of the plurality of required trust scores that corresponds to the corresponding one of the plurality of total risk levels obtained by the matching; receiving user identification data associated with the user from one or more data sources; validating, by the processor, the user identification data; computing, by the processor, a user trust score associated with the user based on the validated identification data; comparing, by the processor, the user trust score to the one required trust score obtained by the identifying; and transmitting the access control entitlement, to the user via the external terminal, if the user trust score is greater than or equal to the one required trust score obtained by the identifying.