Abstract: A universal platform for personal, virtual authentication for use by digital devices for access to and/or permission, to confirm identity or enter into transactions (including e-commerce), premises and/or events by employing submitted samples of unique personal attributes which are compared with and evaluated against a library of similar pre-selected samples of unique personal attributes contained in multiple high-speed databases utilizing an internal virtual private network and secure two-way external data communications networks. The system provides for secure, contemporaneous and stored authentication credentials and a unique, secure coded transaction authorization message and record to subscribers as an equal or better alternative for and/or a complement to chip card technology without requiring a card, a physical token, additional hardware or a custom device.

Abstract: A sponsor-agnostic and scalable platform is disclosed that enables websites and point-of-sale terminals to apply targeted offers to anonymous consumers' purchases. Reimbursements to retailers for sponsors' offers are expedited by installing an API (Application Program Interface) at points-of-sale in the retailer's offer network. The API transmits reports and sales data to the platform for respective offer protocols submitted to the platform. The API also sends anonymous registration authentication data entered by a consumer at the point-of-sale to the platform and sends registered consumers' anonymous personae to the retailer's offer network which then supplies eligible offers to the point-of-sale. Alternatively, when sponsors' offer protocols specify which anonymous personae are eligible, the platform may send offers for which a persona of the registered consumer is eligible to the point-of-sale. The fully-implemented platform provides integrity alerts, sales demographics and consumer registration.