We present an identity authentication system which is cryptographically strong, pseudonymous, efficient enough to run well on current smart phone devices, and easily extensible for payment and banking functionality. We also describe high security algorithm and programming methods for the implementation, including server, network transmission, and application development. The system is intellectual property unencumbered and provably secure. The end user app implementation uses three factor security, a combination of unique device, user password, and fingerprint. We use well-known and proven cryptographic primitives.