Abstract: This invention describes a method, and an apparatus for identifying and authenticating an Individual Client (IC), or a Secure-Computing-Device online while ensuring the privacy of the IC's personal data, (IPD), and information against identity theft and fraud by using a combination of prior art Blockchain technology, public key cryptography, and a newly created Biometric Digital Certificate issued by an accredited Biometric Certification Authority. The IC's transactions data are dynamically updated, cryptographically signed for integrity and stored in an immutable blockchain each time the IC requests service from a Service Provider and provides an accurate and traceable audit trail. During online access, the IC transactions data stored in the Blockchain Databases are processed by a Data Analytics Authentication Processor to generate the Service-Access-Authentication-Tag, which is an algorithmic score that determines the IC's eligibility to access online services offered by a plurality of Services Providers.

Abstract: This invention describes a system, method and computer-readable medium for authenticating the identity of a client in non-face-to-face transactions. At the core of the invention is the creation and use of live distributed ledger Biometric and Biographical Blockchain Databases, the use of live biometrics and the use of prior art Public Key digital certificate technology. The client data in the Blockchain is dynamically updated and digitally signed each time new live samples are captured. The Blockchains serve as a permanent history of the client's biometric or biographical transactions that can be used to create a completely traceable audit trail.