20130262873 | METHOD AND SYSTEM FOR AUTHENTICATING REMOTE USERS - A user of a mobile device can be authenticated based on multiple factors including biometric data of the user. During an enrollment process of the user, an encryption key is sent to the mobile device via a message. The encryption key is recovered from the message and used to encrypt communications between the mobile device and a server. Biometric data is collected from the user and sent to the server for computing a biometric model (e.g., a voice model, etc.) of the user for later use in authentication. An encrypted biometric model is stored only in the mobile device and the encrypted biometric model is sent to the server for authentication of the user. For authentication, various information including an identification of the mobile device, responses to challenge questions, biometric data including the biometric model, etc. are used at the server. | 10-03-2013 |