SIMPLIFIED MULTI-FACTOR AUTHENTICATION

A reader element is associated with an identity verification element. The reader element has a biometric input device and is configured, through enrollment of a biometric element is used to encrypt a character sequence associated with the identity verification element. In a verification phase subsequent to the enrollment, a user may be spared a step of providing the character sequence by, instead, providing the biometric element. Responsive to receiving the biometric element, the reader element may decrypt the character sequence and provide the character sequence to the identity verification element.