Abstract: A method for conducting a transaction with a consumer device includes receiving user input selecting a store as a party to the transaction with a consumer associated with the consumer device. The method also includes transmitting, to the account computer system, first identification information of the store and second identification information of the consumer device. The method further includes receiving, from the account computer system, a passcode based on transmitting the first identification information of the store. The method also includes receiving, from the account computer system, a payment amount due. The method still further includes transmitting the passcode to the store to finalize the transaction.

Abstract: A digital authorization system enables two parties who mistrust each other to complete a transaction. The digital authorization system issues a new pass code for the transaction. The pass code is sent to a first party of the transaction. The first party demonstrates its consent to the transaction by transferring the pass code to a second party. The second party demonstrates its consent to the transaction by transferring the pass code back to the digital authorization system. The digital authorization system approves the transaction when it receives the pass code from the second party.

Abstract: A computer-implemented method validates a user instruction by storing, at a first computer system, a transformation method associated with account information of the user, and associated with a government issued identification document of the user, the account information obtained from an item issued by a financial institution. The computer-implemented method also receives, at the first computer system from a second computer system, the account information and a message electronically transformed from the user instruction by the transformation method based on the government issued identification document of the user. The user instruction is unrecognizable from the message. The computer-implemented method transforms, at the first computer system, the message into the user instruction with the transformation method retrieved based on the received account information. The computer-implemented method approves an action based on the user instruction.

Abstract: A computerized method verifies an issued check by receiving, from a check issuer computer system of a checking account holder at a payer financial institution, first check information comprising: a first routing number, account number, check number, and dollar amount associated with an issued check. The method also receives, from a computer system of a payee financial institution, second check information comprising a second routing number, account number, check number, and dollar amount from a received check. The second routing number, the second account number, the second check number, and/or the second dollar amount, are read by an electronic device at the payee financial institution. The method determines whether the first check information matches the second check information and sends, to the computer system of the payee financial institution in response to the first check information not matching the second check information, a message indicating potential fraud.

Abstract: A method for verifying an email includes storing a first email address and a first address of a first computer system associated with a first email user, and a second email address and a second address of a second computer system associated with a second email user. The method also includes receiving a first email indicating the first email address as an email sender, the first email indicating the second email address as an email recipient. The method further includes retrieving the first address and the second address based on receiving the first email. The method also includes sending an inquiry message requesting confirmation of the first email. The method further includes receiving a response message based on transmitting the inquiry message. The method still further includes sending an email confirmation message in accordance with the response message indicating that the first email is valid.

Abstract: A central computer system verifies the identification information and the financial account information provided by consumers through a network of computer systems. Innovative computerized methods are used for the verification. After the verification, when a computer system on the network conducts a transaction with a consumer, the central computer system sends an alert to the consumer so that the consumer can stop the transaction in real time if the transaction is unauthorized.

Abstract: A computer system for verifying whether two existing sets of confidential electronic data are identical by transforming the two existing sets of confidential electronic data into two new sets of electronic data that are no longer confidential, and then comparing the two new sets of electronic data. As a result, the confidentiality of the two existing sets of electronic data is maintained.

Abstract: A central computer system enables a sender to certify a message, such as an email, and a recipient to verify the validity of the certified message. As a result of the certification, users of messages can avoid ransomware attacks and many other types of fraud caused by fraudulent messages.