Identity verification system
First Claim
Patent Images
1. A method, comprising:
- storing, at a first computer system, first data associated with a user, an identity of the user being unidentifiable from the first data;
storing, at the first computer system, a portion of an account number associated with the first data;
receiving, at the first computer system, the portion of the account number from a second computer system;
receiving, at the first computer system, second data generated by the second computer system based on electronically obtained identification information;
verifying, at the first computer system, the user during a transaction associated with the account number based on a comparison of the second data with the first data, the first data retrieved in response to the received portion of the account number; and
approving, by the first computer system, the transaction when the second data corresponds to the first data.
2 Assignments
0 Petitions
Accused Products
Abstract
A computerized and networked system protects individuals against identity theft without the need to disclose the detailed personal information of the individuals. Furthermore, the system helps prevent loss and damage to consumers, financial institutions and merchants caused by financial crimes related to identity theft. In addition, users can conduct payments in a secure manner without the need to use any traditional financial instrument. A pass code can be generated for each transaction and sent to a user'"'"'s personal communications device. When the correct pass code is received from the user, the transaction is then authorized.
44 Citations
30 Claims
-
1. A method, comprising:
-
storing, at a first computer system, first data associated with a user, an identity of the user being unidentifiable from the first data; storing, at the first computer system, a portion of an account number associated with the first data; receiving, at the first computer system, the portion of the account number from a second computer system; receiving, at the first computer system, second data generated by the second computer system based on electronically obtained identification information; verifying, at the first computer system, the user during a transaction associated with the account number based on a comparison of the second data with the first data, the first data retrieved in response to the received portion of the account number; and approving, by the first computer system, the transaction when the second data corresponds to the first data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A non-transitory computer-readable medium having program code recorded thereon, the program code comprising:
-
program code to store, at a first computer system, first data associated with a user, an identity of the user being unidentifiable from the first data; program code to store, at the first computer system, a portion of an account number associated with the first data; program code to receive, at the first computer system, the portion of the account number from a second computer system; program code to receive, at the first computer system, second data generated by the second computer system based on electronically obtained identification information; program code to verify, at the first computer system, the user during the transaction associated with the account number based on a comparison of the second data with the first data, the first data retrieved in response to the received portion of the account number; and program code to approve, by the first computer system, the transaction associated with the account number when the second data corresponds to the first data. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
-
-
21. An identity verification computer system, comprising:
-
a memory device; and at least one processor coupled to the memory device, the at least one processor configured; to store first data comprising first data associated with a user an identity of the user being unidentifiable from the first data; to store a portion of an account number associated with the first data; to receive the portion of the account number from the merchant computer system; to receive second data generated by the merchant computer system based on electronically obtained identification information; to verify the user during the transaction associated with the account number based on a comparison of the second data with the first data, the first data retrieved in response to the received portion of the account number; and to approve the transaction associated with the account number when the second data corresponds to the first data. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
-
Specification