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

US 10,810,290, assigned to Ronald H Minter, Pastor Ntake and Rama Mwikalo, covers an apparatus and a method for identifying and authenticating an Individual client (IC) seeking to complete an online non-face-to-face transaction, and is available for sale through IPApproach.

US Patents

1 granted

Assignee

Ronald H Minter, Pastor Ntake and Rama Mwikalo

Availability

For Sale

Patents Included

• US 10,810,290↗

Technology Highlights

• The invention captures the IC's personal data of the individual client. Further, to steal the IC's identities is impossible since a hacker would be obligated to gain access to multiple data sources that are secured and encrypted.
• The use of the Biometric Blockchain technology prevents the use of stolen identities to commit fraudulent acts such as requesting an unauthorized online transaction from a Service Provider. The Blockchain biometric identities including live-video clips of the IC are securely stored in several nodes in the Blockchain network and hence can not be modified or be altered without leaving obvious traces.
• The invention introduces the use of the Secure-Computing-Device (SCD), to automatically execute some online transactions, thus machine-to-machine transactions are supported and can be executed securely with the normal guarantees of data confidentiality, authenticity, integrity and non-repudiation using encryption and digital signatures, which translates into quick online transaction approvals obviating the need for human intervention.
• The invention guarantees that when the Secure Device Digital Certificate, (SDDC), is issued to the Secure-Computing-Device, its identity is unique and cannot be spoofed since it is protected by Hardware Security Module, (HSM), whose authenticity is guaranteed by the Secure Device Digital Certificate issued by the accredited Secure-Computing-Device Certification Authority.
• The invention creates the Service-Access-Authentication-Tag, (SAAT), and a tailored, detailed IC specific list of scores to the Service Provider, dependent on the previously agreed to requirements between the Service Provider and the DAAP. The SAAT can be used to determine precisely and securely the IC's eligibility and entitlement to access services offered by a plurality of the online Services Providers without compromising the confidentiality and privacy of IC's personal data.
• The invention eliminates the need for the IC to physically visit the Service Provider's, premises in order to sign or witness the signing of important documents including legally binding contracts, since such transactions can be executed online by the IC using the Personal Computing Device or executed automatically by the Secure-Computing-Device, equipped with the appropriate Secure Device Digital Certificate and a hardware security module.
• The invention makes possible the secure wire-transfer of money without visiting the financial institution or signing of important contracts while away from business location at home or when travelling.
• The addition of IC's live-video clips of the IC while performing certain actions as directed by the DAAP, to the Biometric Blockchain database, ensures that the online IC is a live person and not a set of still pictures or videos created by an online fraudster. Thus, the online video clips in combination with the IC's biometric data and the IC's biographical data provide further proof to the Service Provider that the Individual Client is a live human being and is indeed the same person he/she claims to be.

Overview

The technology disclosed provides the following advantages:

Listing updated August 21, 2026

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