The recent years have seen an increase in the number of users accessing online services using communication devices such as computers, mobile phones and cards based credentials such as credit cards. This has prompted most governments and business organizations to change the way they do business and manage their identity information. The coming of the online services has however made most Internet users vulnerable to identity fraud and theft. This has resulted in a subsequent increase in the number of reported cases of identity theft and fraud, which is on the increase and costing the global industry excessive amounts. Today with more powerful and effective technologies such as artificial intelligence, wireless communication, mobile storage devices and biometrics, it should be possible to come up with a more effective multi-modal authentication system to help reduce the cases of identity fraud and theft. A multi-modal digital identity management system is proposed as a solution for managing digital identity information in an effort to reduce the cases of identity fraud and theft seen on most online services today. The proposed system thus uses technologies such as artificial intelligence and biometrics on the current unsecured networks to maintain the security and privacy of users and service providers in a transparent, reliable and efficient way. In order to be authenticated in the proposed multi-modal authentication system, a user is required to submit more than one credential attribute. An artificial intelligent technology is used to implement a technique of information fusion to combine the user’s credential attributes for optimum recognition. The information fusion engine is then used to implement the required multi-modal authentication system.
Authorization, Biometrics, Credentials, Digital identity, Identity fraud, Information fusion, Multi-modal authentication, Artificial intelligence
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