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Privacy protected anti identity theft and payment network

  • US 9,886,693 B2
  • Filed: 12/15/2009
  • Issued: 02/06/2018
  • Est. Priority Date: 03/30/2009
  • Status: Active Grant
First Claim
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1. A method for preventing identity theft, comprising:

  • storing, at a first computer system, a first set of customer-specific information obtained from a data source comprising customer-specific information, the first set of customer-specific information being insufficient to determine an identity of a customer;

    receiving, from a second computer system associated with a merchant, a second set of customer-specific information obtained via a device configured to obtain embedded data from the data source;

    comparing, by the first computer system, the second set of customer-specific information with the first set of customer-specific information to verify the identity of the customer, by;

    transmitting, from the first computer system to a customer'"'"'s mobile device, a bar code to be displayed on a display of the customer'"'"'s mobile device, when the first set of customer-specific information matches the second set of customer-specific information, the bar code associated with a first pass code;

    receiving, from the second computer system, a second pass code based on the second computer system reading the bar code from the display of the customer'"'"'s mobile device; and

    comparing, at the first computer system, the second pass code to the first pass code; and

    determining whether a transaction should proceed when the identity is verified based on a match between the first pass code and the second pass code.

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