Abstract: A distributed Personal Digital Identification (PDI) system and architecture rapidly verifies individuals using biometric data or other tokens prior to approving a transaction and/or granting access to an on-line services and other network services. The architecture that includes a server that has access to template data required to authenticate individuals, 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 a client/server architecture. The server and clients each contain discrete subsystems, which provide various levels of authentication services to users of the system.

Abstract: A system detects subscription fraud in connection with any consumer related service which requires continuous access and payment over time. According to one aspect, a method performed by the system includes determining a subscription fraudster or someone whom has not fulfilled previous payment obligations for access to service, at or soon after the point of service application, by comparing at least one biometric value against those on file which are associated with past payment default.

Abstract: In accordance with an aspect of providing trust and authentication for network communications and transactions, a network infrastructure is provided that employs biometric private keys (BioPKI). Generally, Bio PKI is a unique combination of two software solutions that validate electronic user authentication: a state-of-the-art biometric signature system, and a digital signature for data integrity. The combined solution allows networked businesses and merchants such as financial institutions to ensure that user authentication is conducted in a trusted, secure fashion within standard network environments. In one example implementation, a biometric signature augments standard digital signatures by adding an automated, non-reputable user authentication capability to the existing digital signature process.

Abstract: The present invention provides a system for detecting subscription fraud in connection with any consumer related service which requires continuous access and payment over time.