Multi-level authentication for onboard systems

A method of authenticating a transaction comprising:

• receiving a request to complete a transaction, the request related to an account and including details of the transaction;
• identifying an onboard system associated with the account, the onboard system comprising one or more sensors and being configured to provide authentication of a user of the onboard system;
• identifying a number of authentication policies relevant to the account, each of the authentication policies comprising a condition and at least one of a success action or a failure action;
• determining, based at least in part on the details of the transaction, at least one authentication policy of the number of authentication policies relevant to the transaction;
• providing, to the onboard system, instructions to execute an authentication process by activating the one or more sensors to determine a pass/fail status for the at least one authentication policy, the pass/fail status indicating whether the condition has been met;
• upon receiving the pass/fail status from the onboard system:
• upon determining that the condition has been met, executing the success action;
• or
• upon determining that the condition has not been met, executing the failure action.

A processing computer, comprising:

• a processor;
• and
• a memory including instructions that, when executed with the processor, cause the processing computer to, at least:
• receive a request to complete a transaction, the request related to an account and including details of the transaction;
• identify an onboard system associated with the account, the onboard system comprising one or more sensors;
• identify a number of authentication policies relevant to the account, each of the authentication policies comprising a condition and at least one of a success action or a failure action;
• determine, based at least in part on the details of the transaction, at least one authentication policy of the number of authentication policies relevant to the transaction;
• provide, to the onboard system, the at least one authentication policy with instructions to activate the one or more sensors to determine a pass/fail status for the at least one authentication policy, the pass/fail status indicating whether the condition has been met;
• upon receiving the pass/fail status from the onboard system:
• upon determining that the condition has been met, execute the success action;
• or
• upon determining that the condition has not been met, execute the failure action.

An onboard system, comprising:

• one or more input sensors;
• a processor;
• and
• a memory including instructions that, when executed with the processor, cause the onboard system to, at least:
• receive, from a processing computer, at least one authentication policy comprising one or more conditions and at least one of a success action or a failure action;
• executing an authentication process for each authentication policy in the at least one authentication policy by:
• activating at least one of the one or more input sensors to collect input data related to the user of the onboard system;
• determining, based on the input data, a status indicating whether the one or more conditions specified in the authentication policy is met;
• and
• providing the status to the processing computer and causing the processing computer to execute at least one of the success action or the failure action based on the status.