Abstract: Improved systems and methods for financial transactions through a trusted third party entity that improve the security of the transactions. A payment system may build a database of reasonably verified voice prints for verifying a consumer's authorization for a transaction, The method comprises receiving a payment request from a consumer to transfer a valued asset from an account to a seller. The method further comprises receiving from the consumer a vocal authorization for the payment request. The vocal authorization may then be digitized into a voice print and stored in the database with the payment request. In response to receiving the voice authorization, the payment system completes the payment request for the consumer and transfers the valued asset from the account to the seller. The voice print may then be used for verifying the identity of a consumer making a subsequent payment from the account.

Abstract: Methods and associated structure for verifying the identity of a consumer in a financial card transaction. The method provides for issuing at least one authorization request through standard card transaction networks and protocols. The amount of each transaction and/or the number of transactions is preferably randomly generated. If the purported cardholder confirms the random amounts and or number of transactions the purported cardholder is identified as an authorized cardholder. The authorized transactions are never captured (completed) and hence are removed by the issuing institution in accordance with the institutions rules for the account. Since the transactions are never captured, no funds are transferred to or from the card holder's account by virtue of the verification process.