METHOD AND APPARATUS FOR REDUCING ON-LINE FRAUD USING PERSONAL DIGITAL IDENTIFICATION

摘要

A distributed Personal Digital Identification (PDI) system and architecture rapidly verifies individuals using biometrics data or other tags prior to approving a transaction and/or granting accesses to an on-line service. The architecture that includes a server that has access to data required to authenticate an individual, and the processing capacity to route authenticated requests to the appropriate downstream entity (Internet Service Provider, Credit Card Company, etc.). The server is connected to requesting users by various network methods to form client/server architecture. The server and clients each contain discrete subsystems, which provide various levels of authentication services to users of the system.