Abstract: This invention provides a system and method for reducing the fraud related to remittance transactions initiated at web portals. In one embodiment, mobile technologies that are available to consumers can be used to reduce fraud associated with remittance transactions. For example, a funding agency computer that enables a remittance transaction can request that a mobile platform computer verify a customer with a mobile personal identifier. The mobile platform computer can request the mobile personal identifier from a customer via the customer's mobile handset device. The mobile platform computer can determine whether the identifier received from the customer's mobile handset device matches the mobile personal identifier stored for the customer. If the mobile platform computer is able to verify the customer, the mobile platform computer can provide a verification confirmation message to the funding agency computer.

Abstract: This invention provides a system and method for reducing the fraud related to remittance transactions initiated at web portals. In one embodiment, mobile technologies that are available to consumers can be used to reduce fraud associated with remittance transactions. For example, a funding agency computer that enables a remittance transaction can request that a mobile platform computer verify a customer with a mobile personal identifier. The mobile platform computer can request the mobile personal identifier from a customer via the customer's mobile handset device. The mobile platform computer can determine whether the identifier received from the customer's mobile handset device matches the mobile personal identifier stored for the customer. If the mobile platform computer is able to verify the customer, the mobile platform computer can provide a verification confirmation message to the funding agency computer.

Abstract: This invention is a means of production of polymer matrix for delivery. This invention employs amino acid chelated minerals as an ionic cross-linking agent, which forms colloidal solution containing delivery molecules after fully mingling with chitosan-acid solution that contains delivery molecules. This invention uses amino acid chelated minerals and chitosan to produce polymer matrix and then deliver molecules while proceeding ionic cross-linking. This is an innovative procedure.