System and method for dual remote authentication of digital assisted shopping agents and customers using proximity-based mobile device interactions, enterprise security, and biometrics

Abstract

Systems and methods are disclosed for dual, simultaneous, single-session, proximity-based, secure authentication of a Digital Assisted Shopping (DAS) representative and a customer in an unsecured remote location. The method includes installing a mobile banking application on the customer's device and an enterprise application on the DAS representative's device, both with biometric verification. Proximity detection using Bluetooth Low Energy (BLE) initiates a secure session via push notifications. A secure communication channel is established through a secure local handshake, involving encryption key exchange and mutual authentication. The system exchanges data related to customer profiles and financial accounts, continuously monitors geolocation using GPS, Wi-Fi, and cellular data, and performs periodic background biometric re-verifications. AI/ML algorithms analyze customer data to propose financial products and services, which are securely shared with the customer for review and selection. The system facilitates real-time enrollment and transaction processing, terminating the session upon detecting security breaches.