Abstract: A method (200) for registering a new account of a user of a verification software by using a mobile device (108) equipped with a camera (110) and a display (112). The method (200) may comprise capturing (202) a first image of a front side (702) of a physical ID card (700) by using the camera (110), wherein the physical ID card (700) comprises a text (704), comprising user information, and an ID photo (706) depicting the user's face, extracting (204) the user information from the text (704) and ID face features from the ID photo (706), presenting (206) the user information to the user on the display (112), capturing (208) a reference photo of the user's face by using the camera (110), extracting (210) reference face features from the reference photo, comparing (212) the reference face features and the ID face features, if a match (214) is found, forming (216) a face template by using the reference face features and storing (218) the face template together with the user information.

Abstract: A system and method of evaluating a network-based transaction between a consumer and a merchant entity. The transaction may be processed to include secret authorization information available to the consumer from a payment authority that manages the consumer's funds. The consumer may obtain the secret authorization information from the payment authority, and the merchant entity may query the consumer for correct secret authorization information before authorizing a transaction. This may enable the merchant to rely at least in part on the payment authority's own authentication methods to authenticate a transaction and substantially avoid fraudulent transactions. The secret authorization information, in one embodiment, may be the amount or amounts in the transaction. The total amount of the transaction may be split into a plurality of random amounts that in sum equal the amount associated with the transaction. The consumer may obtain the random amounts by separately authenticating with the payment authority.