Abstract: Finger sheaths provide individual finger coverings. The individual finger coverings prevent the transfer of germs, dirt, and other residual and harmful elements onto the user's fingers when contacting exposed surfaces or items as well as their transfer from the user's fingers to the user's mouth while eating finger foods. The individual finger coverings further prevent the transfer of residual elements from the finger food onto the user's fingers. The finger sheaths have a non-permeable organic composition that does no impart undesired tastes. The finger sheaths can be incorporated with antimicrobial, antiviral, antibacterial, and antifungal properties about the outside surface and a sanitizing gel on the inside surface. The finger sheaths can be incorporated with custom flavorings and imprinted with digestible dyes to present custom patterns.

Abstract: Some embodiments provide an independent authentication system for authenticating entities that have registered accounts across different online service providers on behalf of the service providers. The authentication system maintains a database of previously verified entity information. A service provider requests authentication by providing the authentication system with unverified and basic identifying information used by an entity when registering with the service provider. The authentication system attempts to match the registration information against previously verified information for a known entity. When a match is found, the authentication system generates a series of challenge questions. The questions are submitted to the entity through the service provider and answers are processed in order to authenticate the entity.

Abstract: Finger sheaths provide individual finger coverings. The individual finger coverings prevent the transfer of germs, dirt, and other residual and harmful elements onto the user's fingers when contacting exposed surfaces or items as well as their transfer from the user's fingers to the user's mouth while eating finger foods. The individual finger coverings further prevent the transfer of residual elements from the finger food onto the user's fingers. The finger sheaths have a non-permeable organic composition that does no impart undesired tastes. The finger sheaths can be incorporated with antimicrobial, antiviral, antibacterial, and antifungal properties about the outside surface and a sanitizing gel on the inside surface. The finger sheaths can be incorporated with custom flavorings and imprinted with digestible dyes to present custom patterns.

Abstract: Finger sheaths provide individual finger coverings. The individual finger coverings prevent the transfer of germs, dirt, and other residual and harmful elements onto the user's fingers when contacting exposed surfaces or items as well as their transfer from the user's fingers to the user's mouth while eating finger foods. The individual finger coverings further prevent the transfer of residual elements from the finger food onto the user's fingers. The finger sheaths have a non-permeable organic composition that does no impart undesired tastes. The finger sheaths can be incorporated with antimicrobial, antiviral, antibacterial, and antifungal properties about the outside surface and a sanitizing gel on the inside surface. The finger sheaths can be incorporated with custom flavorings and imprinted with digestible dyes to present custom patterns.

Abstract: Some embodiments provide an independent authentication system for authenticating entities that have registered accounts across different online service providers on behalf of the service providers. The authentication system maintains a database of previously verified entity information. A service provider requests authentication by providing the authentication system with unverified and basic identifying information used by an entity when registering with the service provider. The authentication system attempts to match the registration information against previously verified information for a known entity. When a match is found, the authentication system generates a series of challenge questions. The questions are submitted to the entity through the service provider and answers are processed in order to authenticate the entity.

Abstract: Some embodiments provide an accurate and real-time account of an entity's verification status and credibility from transaction data. Some embodiments verify the entity's operational status by aggregating transaction data involving the entity and by determining if the transaction data satisfies some threshold number of transactions within a given time frame. If the threshold is satisfied, the entity is verified to be active and operational and have a “pulse”. The pulse can be used to scrub directories or marketing lists. Some embodiments derive the entity's credibility by monitoring for increases or decreases in the transaction data, wherein increases or decreases can be identified from changes in the transaction volume, changes in average transaction price, and/or changes in price of a good or service from one monitored interval to another. Some embodiments derive entity credibility by comparing those changes to changes in one or more competitors' transaction data.

Abstract: Some embodiments provide a system that removes the delineation between credit and credibility and between the personal and business aspects of each. The system constructs an individual-business tuple for an entity. The tuple stores credit and credibility information for the entity and other entities that are associated with the entity. When the entity is a business, the tuple stores credit and credibility information for individuals that can affect creditworthiness of the business. When the entity is an individual, the tuple stores credit and credibility information for businesses that can affect the creditworthiness of the individual. The entity's credit can then be evaluated by shopping the information to loan originators, using the associated information to fill gaps in credit information of the entity, producing a holistic report, and deriving a hybrid credit score based on some combination of the credit and credibility information from the tuple.

Abstract: Some embodiments provide an independent authentication system for authenticating entities that have registered accounts across different online service providers on behalf of the service providers. The authentication system maintains a database of previously verified entity information. A service provider requests authentication by providing the authentication system with unverified and basic identifying information used by an entity when registering with the service provider. The authentication system attempts to match the registration information against previously verified information for a known entity. When a match is found, the authentication system generates a series of challenge questions. The questions are submitted to the entity through the service provider and answers are processed in order to authenticate the entity.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.

Abstract: Some embodiments provide an independent authentication system for authenticating entities that have registered accounts across different online service providers on behalf of the service providers. The authentication system maintains a database of previously verified entity information. A service provider requests authentication by providing the authentication system with unverified and basic identifying information used by an entity when registering with the service provider. The authentication system attempts to match the registration information against previously verified information for a known entity. When a match is found, the authentication system generates a series of challenge questions. The questions are submitted to the entity through the service provider and answers are processed in order to authenticate the entity.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.