Abstract: A method for determining an authentication score for use in exchanging information between a first and a second device. The method comprises at the first device: determining a first authentication score associated with a first information exchange session between the first and second devices; determining a second authentication score associated with a second information exchange session between the first and second devices, the second information exchange after the first information exchange; combining the first and second authentication scores to create a combined score; responsive to the first authentication score, generating an encryption key for encrypting the combined score, wherein the encryption key is known by the first and the second devices; and encrypting the combined score to generate a dynamic pairing code.

Abstract: A method for determining a dynamic pairing code for use in exchanging information between a first and a second communications entity. At the at the first communications entity, determining a first authentication score associated with a first information exchange session between the first and second communications entities, determining a second authentication score associated with a second information exchange session between the first and second communications entities, (the second information exchange spaced apart in time from the first information exchange), combining the first and second authentication scores to create a cumulative risk analysis score, and responsive to the cumulative risk analysis score, generating a dynamic pairing code for use in governing exchange of information during subsequent communications between the first and second communications entities.

Abstract: An electronic wallet system that protects payment accounts, identification and other personal information found within a typical wallet with a secure electronic vault (first) device that can be part of a physical wallet, insert to a wallet, or in other embodiments, wearable/portable devices. A unique biometrically enabled multi-factor authentication process ensures only owners of the information can copy the information to the device or retrieve it thereafter. Authenticated users may then select payment, identification, medical or virtually any private information via touch display or voice command on the vault or on another (second) device that operates in conjunction with the vault. The second device comprises, for example, a programmable card with dynamic magnetic stripe, cell phone, or other wearable technology, that initiates and processes a payment and/or transfer of private information.