METHOD AND APPARATUS FOR SECURE ACCESS PAYMENT AND IDENTIFICATION

1. A system for authenticating a user for enabling a transaction, the system comprising:

• a first device including;
  
  a first processor, the first processor programmed to authenticate a user of the first device based on secret information and to retrieve or receive first biometric information of the user of the first handheld device; and
  
  a first wireless transceiver coupled to the first processor and programmed to transmit a first wireless signal including first authentication information of the user of the first handheld device;
  
  a biometric sensor configured to capture the first biometric information of the user; and
  
  wherein the first processor is programmed to generate one or more signals including the first authentication information, an indicator of biometric authentication, and a time varying value in response to valid authentication of the first biometric information, to provide the first authentication information for processing by a second device; and
  
  to receive an enablement signal indicating an approved transaction from the second device, wherein the enablement signal is provided from the second device based on use of the one or more signals, wherein the second device is configured to retrieve biometric information associated with the user of the first handheld device from stored biometric information of a plurality of first users stored in a second memory of the second device, or receive proof of biometric authentication associated with the user of the first handheld device, and wherein the second processor is also configured to use at least a portion of the first authentication information with the proof of biometric authentication to complete processing of the transaction, wherein processing of the transaction includes authentication of an identity of the user of the first handheld device to enable the transaction.