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

Abstract

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.