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

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 computer method enable retail businesses to manage their customers using personal communication devices. The method assigns a customer to a tail of a first wait list when the customer is at a location remote from the store and registers through a software application on a personal communication device. The method also sends a message to the personal communication device when a length of a second wait list is shorter than a predetermined length and the customer is at a head of the first wait list and ready to be moved to a transition pool. The method also moves the customer from the transition pool to the second wait list after the customer arrives at the store, and removes the customer from the second wait list in response to an action by the store.

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

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

Abstract: A computer system and computerized methods enable users to conduct financial transactions in a secured manner without using traditional financial instruments, such as credit cards, debit cards, prepaid cards, checks, cash, etc.

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: Users are enabled to conduct financial transactions in a secured manner without the need to use traditional financial instruments, such as credit cards, debit cards, prepaid cards, ATM cards, checks, cash, etc. In addition, user's identity is kept confidential in the financial transactions.

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

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

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

Abstract: Users can conduct financial transactions in a secure manner without the need to use any traditional financial instrument, such as credit card, debit card, ATM card, gift card, stored value card, prepaid card, cash, check, coupon, token, ticket, voucher, certificate, note, security, etc. In addition, users' identities are kept confidential in the transactions without violating the Anti-Money Laundering and Anti-Terrorist Financing requirements.

Abstract: An intelligent personal communication device, such as a cellular phone, integrates and interfaces an array of sensors to detect the components in the air so that information regarding the objects or materials that produced the air components can be quickly available to the user of the intelligent personal communication device.

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

Abstract: A computerized method is established to detect suspicious and fraudulent activities in a group of subjects by defining and dynamically integrating multidimensional risks, which are based on the characteristics of the subjects, into a mathematical model to produce a set of the most up-to-date representative risk values for each subject based on its activities and background. These multidimensional risk definitions and representative risk values are used to select a subset of multidimensional risk-weighted detection algorithms so that suspicious or fraudulent activities in the group of subjects can be effectively detected with higher resolution and accuracy. A priority sequence, which is based on the set of detection algorithms that detect the subject and the representative risk values of the detected subject, is produced to determine the priority of each detected case during the investigation process.

Abstract: A computerized method detects suspicious and fraudulent activities in a group of subjects by defining and dynamically integrating multidimensional risks into a mathematical model. A subset of multidimensional risk-weighted detection algorithms are selected so that suspicious or fraudulent activities in the group of subjects can be effectively detected with higher resolution and accuracy. A priority sequence is produced to determine the priority of each detected case during the investigation process. Any set of multidimensional risks identifies a group of subjects that contain this set of multidimensional risks so that group statistics can be obtained for comparison and other analytical purposes. The detection results may adjust the definitions of the multidimensional risks, the mathematical model, and the multidimensional risk-weighted detection algorithms.

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

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: Users can conduct financial transactions in a secured manner without using traditional financial instruments, such as currency, credit cards, debit cards, prepaid cards, stored value cards, ATM cards, checks, coupons, tokens, tickets, vouchers, certificates, notes, securities, letters of credit, etc. In addition, a user's identity is kept confidential in the financial transactions.

Abstract: A computerized system is established through a network to help business organizations conduct and manage their businesses with anti-financial crimes provisions according to the government regulations and laws, e.g., the Bank Secrecy and the USA PATRIOT Act, and to enable financial institutions to monitor and manage these business organizations with confidence in compliance with the regulatory requirements and applicable laws.