Secure multi-factor authentication system including identity verification of an authorized user

A user device, comprising:

• a memory;
• and
• a processor communicatively coupled to the memory, the memory and the processor being configured to:
• verify first biometric information;
• transmit, to a trusted device located on the user device and based at least in part on verifying the first biometric information, a first decryption request including an encrypted first cryptographic key in association with a first identifier to indicate that the encrypted first cryptographic key is to be decrypted based at least in part on utilizing a first master key identified by the first identifier;
• receive, based at least in part on transmitting the first decryption request to the trusted device, a first cryptographic key that is obtained by decrypting the encrypted first cryptographic key based at least in part on utilizing the first master key;
• decrypt, based at least in part on utilizing the first cryptographic key, first factor authentication information to enable determination of a first factor;
• transmit the first factor for authentication of the first factor;
• verify, based at least in part on successful authentication of the first factor, second biometric information;
• transmit, to the trusted device based at least in part on verifying the second biometric information, a second decryption request including an encrypted second cryptographic key in association with a second identifier to indicate that the encrypted second cryptographic key is to be decrypted based at least in part on utilizing a second master key identified by the second identifier;
• receive, based at least in part on transmitting the second decryption request to the trusted device, a second cryptographic key that is obtained by decrypting the encrypted second cryptographic key based at least in part on utilizing the second master key;
• decrypt, by the processor based at least in part on utilizing the second cryptographic key, second factor authentication information to enable determination of a second factor;
• and
• transmit the second factor for authentication of the second factor to enable access to a service.

A non-transitory computer-readable medium configured to store instructions, which when executed by a processor associated with a user device, configure the processor to:

• verify first biometric information;
• transmit, to a trusted device located on the user device and based at least in part on verifying the first biometric information, a first decryption request including an encrypted first cryptographic key in association with a first identifier to indicate that the encrypted first cryptographic key is to be decrypted based at least in part on utilizing a first master key identified by the first identifier;
• receive, based at least in part on transmitting the first decryption request to the trusted device, a first cryptographic key that is obtained by decrypting the encrypted first cryptographic key based at least in part on utilizing the first master key;
• decrypt, based at least in part on utilizing the first cryptographic key, first factor authentication information to enable determination of a first factor;
• transmit the first factor for authentication of the first factor;
• verify, based at least in part on successful authentication of the first factor, second biometric information;
• transmit, to the trusted device based at least in part on verifying the second biometric information, a second decryption request including an encrypted second cryptographic key in association with a second identifier to indicate that the encrypted second cryptographic key is to be decrypted based at least in part on utilizing a second master key identified by the second identifier;
• receive, based at least in part on transmitting the second decryption request to the trusted device, a second cryptographic key that is obtained by decrypting the encrypted second cryptographic key based at least in part on utilizing the second master key;
• decrypt, by the processor based at least in part on utilizing the second cryptographic key, second factor authentication information to enable determination of a second factor;
• and
• transmit the second factor for authentication of the second factor to enable access to a service.