Location- and identity-referenced authentication method and communication system

1. A method for authenticating a customer to a vendor for a transaction involving goods or services, the method comprising:

providing a token, wherein the token is at least a part of a mobile entity, wherein the token is coupled to a secret being indicative for the identity of the customer, wherein at least a part of the mobile entity has a processing unit coupled to the token;

coupling the token with an access point by establishing a physical contact using a first communication channel between the token, the processing unit, and a point-of-sale terminal of the access point;

transferring the secret to the access point;

linking the secret with a location information of the access point, wherein an authentication token comprises the secret and the location information, the authentication token being indicative for the identity and the location of the customer;

providing the authentication token to the vendor using the first communication channel; and

establishing a second communication channel between the customer and the vendor via the processing unit of the mobile entity to a processor of the access point, from the processor of the access point to the point-of-sale terminal of the access point, and from the point-of-sale terminal of the access point to the vendor via a communication network, wherein the second communication channel is not location referenced and the second communication channel is for executing the transaction with the point-of-sale terminal after completing the location referenced authentication with the authentication token via the first communication channel, and wherein a bandwidth of the second communication channel is larger than a bandwidth of the first communication channel.

2. The method according to claim 1 , wherein the first communication channel comprises one of the group consisting of a galvanic interface, an electrical interface, an electromagnetic interface, an acoustic interface, and an optical interface.

3. The method according to claim 1 , wherein the secret is a credential of the group consisting of a PIN code and a biometric, in particular a fingerprint or a heart rate.

4. The method according to claim 1 , further comprising:

receiving a session key from the vendor via the first communication channel at the processing unit in return to providing the authentication token, in particular wherein the validity of the session key is time-limited.

5. The method according to claim 1 , wherein the transaction is one of the group consisting of reception of goods or services for payment, access to a facility, access to one of a vehicle, a vessel, an apartment, and a home.

6. The method according to claim 1 , wherein the processing unit, in particular also the token, is embedded in a mobile device, in particular one of the group consisting of a wristwatch, a wristband, a mobile phone, a smart card, a breast-band, and a body area network.

7. The method according to claim 1 , wherein the token is the finger of a human, in particular wherein coupling comprises a galvanic or capacitive coupling between the finger and the access point.

8. The method according to claim 7 , wherein the processing unit is embedded in a mobile device carried by the human.

9. The method according to claims 1 , wherein the secret comprises a first credential and a second credential, in particular wherein the first credential is more secure than the second credential.

10. The method according to claim 1 , wherein the secret is obtained from a body area network.

11. The method according to claim 1 , wherein the access point is at least a part of a point of sale, and the method further comprises:

establishing a remote communication between the access point and a network of the vendor.

12. A communication system, comprising:

a token, wherein the token is at least a part of a mobile entity, and wherein the token is coupled to a secret being indicative for the identity of a customer in a transaction for goods or services from a vendor, wherein at least a part of the mobile entity has a processing unit coupled to the token;

an access point, configured to be coupleable to the token by establishing a physical contact such that the secret can be transferred to the access point using a first communication channel between the token, the processing unit, and a point-of-sale terminal of the access point,

wherein the access point is coupled to a processor, and wherein the processor is configured to link the secret with a location information of the access point, wherein an authentication token comprises the secret and the location information, the authentication token being indicative for the identity and the location of the customer;

an authentication unit of the vendor, configured to receive the authentication token via the first communication channel; and

a second communication channel between the customer and the vendor via the processing unit of the mobile entity to a processor of the access point, from the processor of the access point to the point-of-sale terminal of the access point, and from the point-of sale terminal of the access point to the vendor via a communication network, wherein the second communication channel is not location referenced and the second communication channel is for executing the transaction with the point-of-sale terminal after completing the location referenced authentication with the authentication token via the first communication channel, and wherein a bandwidth of the second communication channel is larger than a bandwidth of the first communication channel.

13. The communication system according to claim 12 , wherein the access point comprises an interface, in particular configured as a button, more in particular a button comprising a sensor, the processor, and a terminal configured to establish a remote communication between the access point and a communication network of the vendor.