Abstract: Verification facilitating company or companies X and verifying company or companies (e.g., credit service company or companies) Y may respectively manage member ID(s) and password(s) of user(s) 1 in mutually separate and mutually secret fashion. User(s) 1 may send member ID(s) to verification facilitating company or companies X from mobile telephone(s) 2, and verification facilitating company or companies X may use originating telephone number(s) and/or member ID(s) to carry out first-stage identity check(s). In the event of positive verification of identity as a result of such identity check(s), verification facilitating company or companies X may issue one-time ID(s) to user(s) 1 and may communicate such one-time ID(s) to verifying company or companies (e.g., credit service company or companies) Y. User(s) 1 may send one-time ID(s) and password(s) to verifying company or companies (e.g., credit service company or companies) Y from company or companies (e.g., store or stores) Z.

Abstract: Verification facilitating company or companies X and verifying company or companies (e.g., credit service company or companies) Y may respectively manage member ID(s) and password(s) of user(s) 1 in mutually separate and mutually secret fashion. User(s) 1 may send member ID(s) to verification facilitating company or companies X from mobile telephone(s) 2, and verification facilitating company or companies X may use originating telephone number(s) and/or member ID(s) to carry out first-stage identity check(s). In the event of positive verification of identity as a result of such identity check(s), verification facilitating company or companies X may issue one-time ID(s) to user(s) 1 and may communicate such one-time ID(s) to verifying company or companies (e.g., credit service company or companies) Y. User(s) 1 may send one-time ID(s) and password(s) to verifying company or companies (e.g., credit service company or companies) Y from company or companies (e.g., store or stores) Z.