公开(公告)号：US09544308B2

公开(公告)日：2017-01-10

申请号：US14530721

申请日：2014-11-01

申请人： Ronald Henry Minter ,  Edward Tomes ,  Pasteur Lutashubanyuma Ntake ,  Rama Rama Mwikalo

发明人： Ronald Henry Minter ,  Edward Tomes ,  Pasteur Lutashubanyuma Ntake ,  Rama Rama Mwikalo

IPC分类号： G06F15/16 ,  G06F7/04 ,  H04L29/06 ,  G06F21/32 ,  G06K9/00

CPC分类号： H04L63/0861 ,  G06F21/32 ,  G06K9/00892 ,  G06K9/00906 ,  H04L63/107

摘要： 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 4th Data 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.

摘要翻译： 一种用于在非面对面交易中以实时方式认证用户的系统，方法和计算机可读介质，包括用户从服务器向普及计算设备下载认证应用，以及在下载所述应用之后， 具有驻留在设备的显示器上的图标。 当认证应用程序被用户激活时，应用程序请求用户的传记和多生物信息，随后提交给驻留在安全网络云中的认证引擎。 认证过程还包括认证引擎验证所有请求的信息，遵守CFT / AML等政府法规和第四种数据保护原则。 用户可以通过名为“RITE”的系统来检查他们的个人资料，构成本应用程序的一部分。 不需要记忆ID和密码。 在每个交易请求下验证用户的活力。