Patent ID: 8032927
Filing Date: 2011-10-04
Classification: G06F,G06Q

Abstract:
1. A computer-implemented identity authentication system comprising: an authentication client software component to enable a client to communicate with a verification engine to request authentication of the identity of a subject or customer; multiple independently operated databases, each database storing information associated with the subject, wherein the database information includes confidential, out-of-wallet data previously acquired by the corresponding database operator in the course of doing business with the subject; the databases configured to accept and process only certain predefined permitted queries received from an authorized verification engine, and to respond to the permitted queries by returning a confidence level as to whether or not data contained in the query is consistent with the confidential, out-of-wallet data stored by the database in association with the subject; wherein the database does not return or otherwise disclose the confidential, out-of-wallet data stored by the database in association with the subject; and a software-implemented verification engine to authenticate the identity of the subject at the request of the client, wherein the verification engine includes—