Abstract: A computerized system conducts customer identification processing for customers who remotely open accounts with personal identification information that cannot be verified through available data sources.

Abstract: A method for determining whether another party has information about a person without disclosing personal identification information of the person is presented. The method includes receiving, at a third computer system, a first set of data comprising personal identification information of a first person and encrypting the first set of data to generate a third set of data. The method also includes transmitting, to a second computer system, the third set of data. The method further includes receiving, at the third computer system from the second computer system, a message indicating the third set of data matches a fourth set of data encrypted from a second set of data comprising personal identification information of a second person. The method still further includes transmitting, from the third computer system, a message indicating the second person matches the first person when the fourth and third set of data matches.

Abstract: A computerized method and apparatus are established to identify confidential data of common interest among multiple parties without releasing the confidential data. Furthermore, a computerized network provides different parties at different locations with a mechanism to conduct cooperative activities concerning such confidential data of common interest without exposing that confidential data to possible identity theft.

Abstract: A computer system conducts transactional monitoring to detect different types of possible cases in order to prevent financial crimes and assist businesses to comply with different types of laws and regulations. The computer system derives a total risk score for each of a group of entities based on risk factors. Each of the risk factors is assigned a risk score. The computer system also detects an entity when the total risk score of the detected entity differs from a reference derived from total risk scores of the group of entities by a pre-determined margin. The computer system also assists a user to identify at least one transaction that has caused the detected entity to have a total risk score that differs from the reference derived from the total risk scores of the group of entities.

Abstract: A computer system conducts transactional monitoring to detect different types of possible cases in order to prevent financial crimes and assist businesses to comply with different types of laws and regulations. The computer system derives a total risk score for each of a group of entities based on risk factors. Each of the risk factors is assigned a risk score. The computer system also detects an entity when the total risk score of the detected entity differs from a reference derived from total risk scores of the group of entities by a pre-determined margin. The computer system also assists a user to identify at least one transaction that has caused the detected entity to have a total risk score that differs from the reference derived from the total risk scores of the group of entities.

Abstract: A method for processing transactions receives from a customer, at a merchant computer system, customer account identification information and customer identification information. The method includes encrypting, at the merchant computer system, transaction data corresponding to a transaction between a merchant and the customer. The transaction data is encrypted with an encryption key generated from the customer identification information. The method transmits, from the merchant computer system to a financial institution, the customer account identification information and the encrypted transaction data. The method receives, at the merchant computer system from the financial institution, a notification indicating whether to proceed with the transaction based on whether the encrypted transaction data was successfully decrypted with a decryption key generated from account holder identification information derived from the customer account identification information.

Abstract: A method for verifying a name on a check include receiving, from a check issuer computer system, a first payee name and first check information and associating the first payee name with the first check information. The method also includes receiving second check information electronically read by a first device at the payee financial institution. The method further includes receiving a second payee name electronically read from an identification document and comparing the first check information with the second check information. The method still further includes verifying that the first payee name corresponds to the second payee name when the first payee name matches the second payee name; and sending, in response to the verification, a name verification message indicating the first payee name corresponds to the second payee name.

Abstract: A method for processing online transactions includes receiving account identification information and second data. The second data is transformed from first data under the control of first identification information obtained from an identification document of a first person. The method also includes identifying second identification information of a second person stored with an account based on the account identification information. The method further includes transforming the second data to the first data under the control of the second identification information. The method also includes performing an action associated with the first data.

Abstract: A computer system, computer program codes and computerized methods certify with privacy protection whether a particular check has been legitimately issued, cashed or deposited. As a result of the certification, all types of fraud associated with checks are prevented.

Abstract: A computerized method enables a user to conduct a transaction in a private and secure manner via three computer systems and the user's partial identification information. The partial identification information is insufficient to disclose an identity of the user.

Abstract: A computerized and networked system protects individuals against identity theft without the need to disclose the detailed personal information of the individuals. Furthermore, the system helps prevent loss and damage to consumers, financial institutions and merchants caused by financial crimes related to identity theft. In addition, users can conduct payments in a secure manner without the need to use any traditional financial instrument. A pass code can be generated for each transaction and sent to a user's personal communications device. When the correct pass code is received from the user, the transaction is then authorized.

Abstract: A computerized method and apparatus are established to identify confidential data of common interest among multiple parties without releasing the confidential data. Furthermore, a computerized network provides different parties at different locations with a mechanism to conduct cooperative activities concerning such confidential data of common interest without exposing that confidential data to possible identity theft.

Abstract: A computerized and networked system protects individuals against identity theft without the need to disclose the detailed personal information of the individuals. Furthermore, the system helps prevent loss and damage to consumers, financial institutions and merchants caused by financial crimes related to identity theft. In addition, users can conduct payments in a secure manner without the need to use any traditional financial instrument. A pass code can be generated for each transaction and sent to a user's personal communications device. When the correct pass code is received from the user, the transaction is then authorized.

Abstract: A computerized method and apparatus are established to identify confidential data of common interest among multiple parties without releasing the confidential data. Furthermore, a computerized network provides different parties at different locations with a mechanism to conduct cooperative activities concerning such confidential data of common interest without exposing that confidential data to possible identity theft.

Abstract: A computerized method enables a user to conduct a transaction in a private and secure manner via three computer systems and the user's partial identification information. The partial identification information is insufficient to disclose an identity of the user.

Abstract: A method for processing online transactions includes receiving account identification information and second data. The second data is transformed from first data under the control of first identification information obtained from an identification document of a first person. The method also includes identifying second identification information of a second person stored with an account based on the account identification information. The method further includes transforming the second data to the first data under the control of the second identification information. The method also includes performing an action associated with the first data.

Abstract: Anti-money laundering, anti-terrorist financing and other anti-crimes measures are enforced in compliance with the Bank Secrecy Act and the USA PATRIOT Act in the USA or equivalent laws in other countries, and crimes in financial transaction activities such as online banking, trading, money services, shopping, payment, etc. are reduced. Embedded identification information is read from a machine-readable official government issued identification document such as a passport, driver's license, etc., and such information is sent to a financial institution for approval and for anti-money laundering, anti-terrorist financing and other anti-crimes purposes.

Abstract: A computerized method enables a user to conduct a transaction in a private and secure manner via three computer systems and the user's partial identification information. The partial identification information is insufficient to disclose an identity of the user.

Abstract: A computer system enables users to conduct financial transactions in a secured manner without using traditional financial instruments. The computer system enables sending a pass code to a first personal communication device of a first user. The pass code has a predefined lifetime. The computer system also enables approving the financial transaction between the first user and a second user in response to receiving the pass code from a second personal communication device of the second user before the pass code expires.

Abstract: A computerized method and apparatus are established to identify confidential data of common interest among multiple parties without releasing the confidential data. Furthermore, a computerized network provides different parties at different locations with a mechanism to conduct cooperative activities concerning such confidential data of common interest without exposing that confidential data to possible identity theft.