Patent ID: 8880874

Claim:
A method of biometric identity assurance comprising: (a) storing in a memory of a first computer biometric data that is based on a biometric modality of a user acquired at a first time; (b) converting the biometric data of step (a) into a biometric template stored on the first computer memory; (c) receiving the biometric template in a memory of a second computer; (d) the second computer determining a first instance of a user encryption key based on a combination of the biometric template with a biometric-hash file of the user; (e) assembling multiple credential files that were previously distributed among multiple remote computers into a single user credential file at the second computer, wherein each distributed credential file includes at least one credential of the user and the user credential file includes multiple credentials of the user; (f) the first computer receiving the first instance of the user encryption key and the user credential file from the second computer; (g) the first computer accessing user credentials stored in the user credential file based on decryption of the user credential file using the first instance of the user encryption key; and (h) the first computer using the user credentials accessed in step (g) to use or access one or more digital resources of the user.