Importance

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Abstract

Computer-implemented system and methods for authenticating the identity of a person, for example a customer (1) of an E-Commerce web site (15). The web site or other verification 'client' (110) contacts a verification engine (10, 100) ('Authentex'), which may be implemented as a web server (604). The verification engine (10), in turn, has limited access to a plurality of independent, third-party secure databases (21, 112) which are maintained by Trusted Validators (3, 610, 620, etc), which are entities such as banks that have a pre-existing relationship with customer (FIG. 4), and due to that relationship, acquire and maintain 'out-of-wallet' data (4) that may be useful to authenticate the identity of the customer. That confidential customer data--held by the third-party 'Trusted Validators'--is not disclosed.

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First Claim