Abstract: A system providing features for facilitating the authentication and verification of a consumer, facilitating and sharing trust between the consumer and third parties, and for continuously updating such information. The system can create an online identity credential based on verifying the identity of an individual subject. The system can include adding first, second, and third party information to the credential, analyzing the data in the credential to create metadata stored within the credential, continuously and periodically updating the elements and metadata of the identity credential, and for sharing selected data and metadata elements of the credential with second and third parties. The system can be used as a standalone identity credential or in support of biometric identity applications. The system can include rewards to encourage subjects to continuously verify their identity.

Abstract: A system provides various features for facilitating the management of data used for facilitating trust in otherwise anonymous transactions.

Abstract: A system for providing background check information to consumers diversifies a search vector by iteratively searching databases to obtain comprehensive identifying information while eliminating redundancies. Fuzzy expansion operators based on phonetics, misspellings, and other factors may be employed. The self-background check is intended to be used by consumers to safeguard against identify theft.

Abstract: A system for providing background check information to consumers diversifies a search vector by iteratively searching databases to obtain comprehensive identifying information while eliminating redundancies. Fuzzy expansion operators based on phonetics, misspellings, and other factors may be employed. The self-background check is intended to be used by consumers to safeguard against identify theft.

Abstract: A process, system, and apparatus are may lower the incidence of identity theft in consumer credit transactions through the use of an identity score. In a representative context, the entities involved include a prospective debtor, a prospective creditor, and a credit bureau. The credit bureau provides background information to the prospective creditor regarding the prospective debtor's credit risk. A process provides certain additional information to enhance this value and make it more resistant to misuse by fraudulent parties who stand in the shoes of prospective debtors. The process will also be used in conjunction with other current methods that prospective creditors employ in making such determinations, such as credit scores.