Abstract: The present invention is generally related to systems and methods for providing an improved authentication and verification system through the use of compiled user data and user location or traffic data from multiple channels of input. Multiple devices may be utilized by the system in order to receive and process data to authenticate user identities and verify the validity of account activity.

Abstract: A process for making alkylene carbonate by the reaction of carbon dioxide and an alkylene oxide of the formula ##STR1## wherein R, R.sub.1, R.sub.2 and R.sub.3 are one or more of hydrogen, alkyl, aryl, alkaryl, aralkyl, cycloalkyl, allyloxy, chloroalkyl, and aryloxy to produce the corresponding carbonate, which comprises:(a) providing a homogeneous liquid phase reaction zone in which the predominant material therein is the alkylene carbonate;(b) providing a catalytic amount of an alkylene oxide carbonation catalyst to said liquid phase;(c) having dissolved in said liquid phase sufficient CO.sub.2 to provide a molal amount therein which exceeds the molal amount of the catalyst;(d) providing a CO.sub.2 pressure in the reaction zone of between about 150 psig and about 750 psig;(e) maintaining a sufficient amount of the alkylene oxide in the reaction to maintain the pressure and temperature thereof;(f) maintaining the reaction zone at a temperature at which the alkylene oxide and CO.sub.