System and method for human identity validation via a mobile device

A method for using a mobile device to validate the identity of a person in an inherently anonymous computing environment or any other distributed network where face to face communication is not possible, comprising the steps of:

• establishing a person's identity starts at the time the person registers with the system;
• collecting information required to establish the person's identity with an authenticator;
• submitting collected information to an authenticator;
• transmitting collected information to a system administration service;
• validating the collected information by external databases and services;
• maintaining a person's identity;
• sending an authentication request to an authenticator;
• forwarding an authorization request to the external service by the authenticator;
• providing a set of challenge/response questions unique to that person to establish positive identification by the external service;
• making an authentication determination;
• upon successful authentication of the person's identity, the person and their device will be associated with each other and recorded in the system;
• initiating primary registration with a person providing the information required to validate their identity with an authenticator;
• contacting, by the person's device, the authentication service, at which time the
• providing, by the authentication service, the device with a copy of the authentication service's authentication schema;
• contacting, by the authentication service, the system management service to request a verification and validation of the person's identity;
• providing, by the authentication service, the identity information provided by the person earlier in the process;
• running an initial check of the identity information to assure the information is valid by sending a request to the external identity database service by the system management service;
• assuming the identity information is valid;
• requesting the identity validation service to send a series of questions to the person's device to which only the person would know the answer by the system management server;
• sending the responses back to the identity validation service for processing and scoring;
• and
• analyzing the score in accordance with a configurable rules engine within the system management service to determine if the identity is authentic or fraudulent by the system management service.