Abstract: A method of verifying a transaction between a first party and a second party using a first graphical symbol having at least a two-dimensional array of different segments arranged in a visually distinct pattern, or a first sonic symbol having different frequency magnitude segments over a desired time period. A second graphical or sonic symbol has only a portion of the segments of the first symbol. The first and second symbols are accessible by the first and second parties, respectively. The second symbol is compared to the first symbol and, if all of the segments of the second symbol match segments of the first symbol, the transaction between the first party and the second party is verified.

Abstract: A method of conducting a transaction at a point-of-sale with a consumer. The consumer uses mobile telephone with a memory library capable of storing a plurality of account numbers, a menu to select a desired account number from the library, and capability to transmit an account number to a point-of-sale (POS) device via wired or wireless communication. The method includes receiving a plurality of account numbers from different vendors, and storing the account numbers in the mobile telephone's library. The method also includes providing a POS device, used by a merchant, having capability to receive an account number from a consumer's mobile telephone via wired or wireless communication to conduct a transaction with the consumer.

Abstract: Verification information is provided with respect to a transaction between an initiating party and a verification-seeking party, the verification information being given by a third, verifying party, based on confidential information in the possession of the initiating party. On behalf of the initiating party, first and second tokens are generated, each of which represents some but not all of the confidential information. The first token is sent electronically via a nonsecure communication network from the initiating party to the verification-seeking party. The second token is sent electronically via a nonsecure communication network from the initiating party to the verifying party. Verification information is sent electronically via a nonsecure communication network from the verifying party to the verification-seeking party.