Multi nodal authentication technology

A payment instrument comprising:

• a housing having:
• a length that is not greater than 85.60 mm;
• a width that is not greater than 53.98 mm;
• and
• a thickness that is not greater than 0.8 mm;
• a microprocessor that provides computing capabilities to the payment instrument;
• a battery that provides wireless energy to the payment instrument;
• a camera configured to capture photographs;
• a nano light emitting diode (“LED”) touch screen configured to:
• display data;
• and
• receive input;
• a nano wireless network interface card (“NIC”) that provides wireless communication to the payment instrument;
• a wireless controller module that interfaces between the nano wireless NIC and a network-enabled device;
• a confirmation module executable by the microprocessor, said confirmation module that initiates a confirmation of an identity of a transaction initiator;
• a signature capture match module executable by the microprocessor, said signature capture match module that captures, on the nano LED touch screen, a signature capture of a payment instrument user;
• and
• a verification module executable by the microprocessor, said verification module that communicates the captured signature capture to a processing entity for verification;
• wherein:
• the microprocessor receives a transaction authorization request from the processing entity, the transaction authorization request for authorization of an automated clearing house (“ACH”)-based transaction that was initiated at a payment channel, said transaction comprising a plurality of transaction components, said plurality of transaction components comprising a payee name, a payee account type, a payee routing number, a payee financial institution name, a payee account number, a payer account number, a delivery method and a deliver-by-date;
• the confirmation module initiates the confirmation for the transaction;
• the nano LED touch screen displays:
• one or more transaction components;
• a selectable verification button;
• and
• a selectable verification-denial button;
• upon selection of the selectable verification-denial button;
• the signature capture module is bypassed;
• the verification module is initiated;
• the verification module transmits a verification-denial to the processing entity;
• upon selection of the selectable verification button:
• the signature capture match module is initiated;
• the signature capture captures, at the nano LED touch screen, the signature capture of the payment instrument user;
• and
• upon capture, at the nano LED touch screen, of the signature capture of the payment instrument user, the verification module transmits the captured signature capture to the processing entity.