Abstract: The present application provides an apparatus and method for verifying a user, via captured biometric characteristics of the user, who is interacting online. The captured biometrics are guaranteed to be captured in real-time, and avoids the possibility of providing biometrics that were previously captured, by sending to the user a time-sensitive challenge and requiring the user to provide the requested biometric information within a predetermined time period. Therefore, the present invention is best positioned for environments where trusted identification of a user is needed online to facilitate secure transactions.

Abstract: A computer implemented method for rapidly and securely filing, via wireless means, a consolidated accident report. An additional aspect of the method encompasses a computer software product for performing the method described herein. In one embodiment of the invention, the opposing parties jointly fill out at least a part of a digital accident report form; i.e., each party fills out a different portion of the form. Each party has the opportunity to positively acknowledge or reject the information entered by their opposing party. The digital accident report form may be completed and filed with the rejection registered, although it is preferred that a mutually agreeable resolution be achieved. Once completed, each opposing party files the consolidated accident report with an appropriate interested third party, e.g., an insurance company, a law enforcement agency, or a hospital.

Abstract: The present application provides an apparatus and method for verifying a user, via captured biometric characteristics of the user, who is interacting online. The captured biometrics are guaranteed to be captured in real-time, and avoids the possibility of providing biometrics that were previously captured, by sending to the user a time-sensitive challenge and requiring the user to provide the requested biometric information within a predetermined time period. Therefore, the present invention is best positioned for environments where trusted identification of a user is needed online to facilitate secure transactions.

Abstract: The present application provides an method and system for verifying a user's identity within a virtual world environment. The verification is to be in real-time and avoids the possibility of providing credential (e.g., biometric information) that were previously authentication, by sending to the user a time-sensitive challenge and requiring the user to provide the requested credentials (e.g., biometric information) within a predetermined time period. Therefore, the present invention is best positioned for environments where trusted identification of a user is needed online to facilitate secure transactions.