System, method and business model for an identity/credential service provider

Abstract

A methodology, system and business model are disclosed for facilitating a fully automated electronic identity service between a group of consumers and a group of service providers. The system includes at least one servicer and associated computers and memories. A security token is issued to the consumer by an authority. The consumer then personalizes the token by having his or her civil credentials loaded onto the card. The card is serialized by the authority. When the consumer desires access to a service, the system with authenticate the identity of the consumer. Various levels of authentication can be achieved. The service providers will subscribe to system.

Dependencies are inferred from the claim text.