Abstract
Reporters obtained the following quote from the background information supplied by the inventors:“Electronic authentication is commonplace in today’s highly-co nnected society, especially in view of thefact that more and more individuals a re conducting financial and personal transaction electronically.“Authentication can come in a variety of forms, such as single-factor authentica tion and multifactorauthentication. Authentication can be done with different d egrees of perceived strength. For example,biometric authentication is typically believed to be a stronger form of authentication than an identifier andpasswor d combination.