Abstract: 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.

Abstract: 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.

Abstract: The present invention relates to methods and systems for enrolling a user for voice authentication and for performing voice authentication on a user of a network. The method of enrolling a user for voice authentication includes verifying the identity of the user and assigning an enrolment identifier to the user, if the identity of the user is verified. The enrolment identifier is then presented to the user. Subsequently, the user is prompted to utter a personal voice authentication password. The personal password uttered by the user is received and stored. A voice print model for the user is generated from the previously stored voice print. The method further includes storing the voice print model and associating the voice print model and the personal password with the enrolment identifier assigned to the user to facilitate retrieval thereof during voice authentication of the user. A method for performing voice authentication on a user of a network is also provided.