Abstract: A high security communication channel between the back-end application and the customer's mobile device is disclosed. An application programming interface that integrates into a service provider's back end application and a software development kit that integrates into a mobile application on the customer's mobile device establish a two-way communication channel between the back-end application and the mobile device. When a customer is ready to complete a transaction in one of the service provider's sales channels, such as online, by phone, in-person, by mobile device, or at a kiosk, the transaction moves to the mobile device for completion. A push message on the mobile device launches the service provider's mobile application and the customer completes the transaction quickly and securely using the advanced automation functions, such as biometrics, GPS, wallet, camera or near field communication, available on the mobile device.

Abstract: A method and system for authenticating the identity of a consumer is disclosed. After the consumer is authenticated by a trusted third party, the consumer designates accounts that the consumer wishes to “lock.” When a party requests access to that account, the consumer is notified through the consumer's phone and asked to input a PIN. If the consumer provides the PIN, the requestor is granted access to the consumer's account without requiring further input from the consumer. If the party authorizing the transaction in this “two-factor” authentication does not possess both the phone and the consumer's PIN, or that party elects not to provide the PIN, the request will not be authenticated.