Other

Rama Mwikalo

Ronald H Minter

Edward Tomes

Pasteur Ntake

Pasteur Lutashubanyuma Ntake

This invention describes a method, and an apparatus for identifying and authenticating an Individual Client (IC), or a Secure-Computing-Device online while ensuring the privacy of the IC's personal data, (IPD), and information against identity theft and fraud by using a combination of prior art Blockchain technology, public key cryptography, and a newly created Biometric Digital Certificate issued by an accredited Biometric Certification Authority. The IC's transactions data are dynamically updated, cryptographically signed for integrity and stored in an immutable blockchain each time the IC requests service from a Service Provider and provides an accurate and traceable audit trail. During online access, the IC transactions data stored in the Blockchain Databases are processed by a Data Analytics Authentication Processor to generate the Service-Access-Authentication-Tag, which is an algorithmic score that determines the IC's eligibility to access online services offered by a plurality of Services Providers.

Robust method and an apparatus for authenticating a client in non-face-to-face online interactions based on a combination of live biometrics, biographical data, blockchain transactions and signed digital certificates

A system, method and a computer-readable medium for authenticating a user in a live manner in non-face-to-face transactions, including a user downloading an authentication application from a server to a pervasive computing device, and after downloading the application, having an icon residing on the display of the device. When the authentication application is activated by the user, biographical and multi-biometric information of the user is requested by the application, and subsequently submitted to an authentication engine residing in a secure network cloud. The authentication process further includes, verifying by the authentication engine all of the requested information, compliance with government regulations such as CFT/AML, and the 4Data Protection Principle. Users have the ability to check their biographical data through a system called, RITE, forming part of this application. Memorised IDs and passwords are not required. The aliveness of the user is verified at each transaction request.

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Dar es Salaam, United Republic of Tanzania

Rama Mwikalo