Systems, methods and apparatus for multivariate authentication

A non-transitory computer readable medium having instructions stored thereon which when executed by a processor of an authentication computing device cause the processor to:

• receive, by the authentication computing device and from an input user device via a first network communication, a network packet comprising an electronic data file and recipient biometrics of an identified recipient, wherein the electronic data file is for selective transmission to a target user device associated with the identified recipient, and wherein the input user device is different from the authentication computing device and the target user device;
• receive, by the authentication computing device and from the target user device via a second network communication, biometric data obtained from a user of the target user device, wherein the target user device is different from the authentication computing device;
• determine by the authentication computing device whether the user of the target user device is the identified recipient of the electronic data file based on a determination whether the recipient biometrics received from the input user device satisfactorily matches the biometric data received from the target user device;
• and
• transmit, by the authentication computing device in response to a determination that the user of the target user device is the identified recipient of the electronic data file, the electronic data file to the target user device.