The Oxford, Conn.-based biometrics authentication company NXT-ID, Inc. announced it has patented its behavior-directed mobile payments technology. Called "behavior-metrics," it recognizes both the individual (something you are) and the action (something you know).
Behavior-metrics may include authentications based on facial expressions, gesture movements, patterns drawn or even PINs. Sensors detect virtually any motion, sound or other behavior, and combine it with physiological features that are unique to a person.
"Like voice-directed payments where you can simply say to pay, this invention enables you to draw to pay," David Tunnell, chief technology officer for NXT-ID, said. "Users are very familiar with typing a PIN or drawing a pattern to access a device. Soon, they can also choose a payment account using the same methods they use to authenticate with a device."
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Roy Urrico
Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).
