Patent attributes
In some embodiments, encrypted biometric data are stored in advance in a device that is possessed or carried by a user (for example, a smartcard, a communication terminal, or the like) based on a public key certificate, and a user authentication (first user authentication) is performed by a biometric matching in the device. A public key certificate matching the encrypted biometric data is used to perform a user authentication (second user authentication) for a transaction authorization in a service providing server. According to some embodiments, one time password, keystroke, dynamic signature, location information, and the like are employed as additional authentication factors to tighten the security of the first and second user authentications. According to some embodiments, an authentication mechanism including the first user authentication and the second user authentication is applied to control an access to the IoT device.