Abstract: An individual identity authentication system for authenticating an identity of an individual includes a client computer system and a service provider computer system. The client computer system may be implemented at various locations, for example, airport terminals, so as to provide ready access for various users to authenticate the identity of a particular individual. The service provider computer system is in communication with the client computer system and executes code for causing the service provider computer system to perform a number of steps. One step includes receiving a personal identification number (PIN) and a social security number (SSN) of an individual that is entered into a secure terminal associated with the client computer system. Another step includes authenticating an identity of the individual when the entered PIN and the entered SSN correspond to a registered PIN and a registered SSN of the individual.

Abstract: An identity theft reduction system for reducing identity theft includes a client computer system and a service provider computer system. The service provider computer system is in communication with the client computer system and executes code for causing the service provider computer system to perform a number of steps. An employee of a financial institution, utilizing the client computer system, furnishes a personal identification number (PIN) and an associated social security number (SSN) of an individual along with a valid institutional code and an associated valid employee code to register the PIN and associated SSN. A credit report is provided to a requester when a supplied PIN and SSN correspond to a registered PIN and SSN.