US Patent 10163105 Variable biometrics for multi-factor authentication

In one implementation, requirement client device receives an indication of a transaction. The client device determines risk profile information and a credential for the transaction. The risk profile information describes a location of the client device, a time associated with the transaction, and a transaction provider to complete the transaction Finally, the client device prompts for biometric input based on the location of the client device, the time associated with the transaction, the transaction provider to complete the transaction, and the credential.