Abstract: A system can have a plurality of participating entities including a plurality of receivers and a plurality of originators. A data file indicative of an account restructuring of a given one of the receivers can be obtained. The data file specifies at least one old account number associated with the receiver and at least one new account number associated with the receiver. The data is placed in a conversion data structure in a format to facilitate account number conversion. Remittance data, including the old or new account number of the receiver, is obtained from a given one of the participating entities, and is routed in accordance with the old or new account number in the remittance data, and the data structure.

Abstract: Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.

Abstract: A first person can give a gift by using a mobile phone or other communications device to access a central computing system to which a gift and a second person (the intended recipient of the gift) can be identified by the first person. Thereafter, the central computing system transmits a unique code to the mobile phone or other communications device of the second person. The code can then be given by the second person, verbally or by transmission or display by his/her mobile phone, to a retailer of the gift. Upon validation by the retailer, such as by communication between the retailer's point-of-sale system and the central computing system, the retailer provides the gift identified by the first person.

Abstract: Methods and systems are provided herein for the analysis of clickstream data of online users. The analysis methods and systems allow for the creation of new offline business methods based on online consumer behavior. In embodiments, the output file enables a third party to match a sales medium to a variety of financial service offerings.

Abstract: Instead of a PIN which is associated with an account and provides access to an account, a dynamically generated card identifier (dynamic CID) is used to verify that the consumer currently possesses the transaction card at the time of purchase and/or is the true card owner. At the time of purchase, a token generates a dynamic CID, which changes with each transaction. A consumer enters the dynamic CID into a pre-existing CID field in an electronic order form. The merchant then sends the dynamic CID to a card authorization system within an authorization request. The card authorization system issues a response to a merchant system via a pre-existing authorization message indicating that the transaction card and dynamic CID have been validated, thereby adjusting the fraud risk associated with the transaction.

Abstract: An electronic point-of-sale authorization device is removably attachable to an auxiliary register system for verifying the identity of a user during point-of-sale transactions. The device may include a user interface, a microprocessor coupled with a memory, displays, fingerprint and card readers, an electronic pen and a communication link. The device may further include a mechanism for pivotally oscillating the housing and a mechanism for linearly reciprocating a telescopic support rod. A user interface may be communicatively linked to the pivotally oscillating mechanism and linearly reciprocating mechanism such that the housing may pivotally oscillate about a pivot axis while the support rod telescopically reciprocates along a vertical axis respectively. In addition, the housing may be freely rotated about the pivot axis while each of the support rod and the mounting bracket remain at static positions.

Abstract: Disclosed are methods, systems, and computer program products for identifying sensitive data from a user-entered input sequence based on user-defined criteria. According to one method, user-defined criteria for identifying sensitive data within user-entered input sequences that include sensitive data and padding data are received. A request for sensitive data from a requesting agent is presented. A user-entered input sequence that includes sensitive data and padding data is received in response to the request for sensitive data. Sensitive data is identified within the user-entered input sequence using the user-defined criteria. The identified sensitive data is provided to the requesting agent in response to the request for sensitive data.

Abstract: A method for controlling access to a storage unit owned by an owner, wherein a renter can obtain and maintain rights to said storage unit by paying a first rental fee and subsequent periodic rental fee payments according to a schedule. In this method, the storage unit is secured by a lock that is, at least in part, controlled by the renter. A remotely controllable lockout assembly, however, is capable of over locking the storage unit so that the renter can no longer gain entry when the lockout assembly is activated. The method includes remotely controlling the lockout assembly to deny the renter access to the unit when the when said renter has failed to pay said periodic rental fee on schedule and a grace period has passed since said renter's rights to said storage unit have elapsed.

Abstract: A portable wireless communications subscriber audio and/or video player apparatus and system and method for selecting, requesting, downloading, and playing audio and/or video data content files from an Internet-based database server. The wireless link is preferably implemented in accordance with the WiFi protocol, which allows connectivity to the Internet by being in proximity with a local base station or WiFi hotspot (i.e., publicly available local wireless access hub connected to the Internet). The portable wireless communications subscriber audio and/or video player apparatus and system preferably include a security means for monitoring and blocking unauthorized use of the player apparatus and system. The player apparatus further preferably has the capability to communicate with other neighboring player apparatus for the purpose of exchanging content data files, playlists and personal messages.

Abstract: Systems and methods for personal financial management for receiving payment for a transaction amount from a user includes means for receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator and means for receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount. The system also includes means for transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount and means for receiving authorization from the financial institution responsive to the transmitting.

Abstract: A system generates an identifier when a consumer deposits cash, where a new unique identifier is generated with each transaction. The consumer receives the identifier and the identifier (along with the amount of cash deposit) is communicated to a payment provider for storage. The consumer may then access and fund an on-line account with the financial services provider by first accessing the account and entering the unique character identifier, which the system processes. If the identifier is valid, e.g., an actual stored identifier within the system associated with a cash amount, then the system transfers that amount to the consumer's account. At this point, the consumer may use the account to make an on-line transaction or purchase with the newly funded amount.

Abstract: A credit card signature inspection system includes a card-sliding device and a credit card server. The card-sliding device produces a signature authentication request including credit card data and produces a bill to be signed. The credit card server includes a credit card database pre-stored with data of credit cards. Data of each credit card corresponds to an authentication signature of a credit card holder. The credit card server receives the signature authentication request and searches the credit card database based on the credit card data in the signature authentication request to produce an authentication signature corresponding to the credit card data. The authentication signature is transferred to the card-sliding device and displayed on the card-sliding device to check whether the authentication signature on the card-sliding device corresponds to the signature of the consumer for the bill, so as to determine whether to approve the proceeding of the transaction.

Abstract: A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.

Abstract: A print system allowing a user to obtain a transaction statement in a safe and easy manner is provided. For this purpose, a print system includes: a banking terminal; and a digital multi-function peripheral performing data communication with a Web server having transaction statement data and PIN code stored in association with each other, through an external network and an in-store network. The banking terminal is adapted to include an operation panel receiving a request from a user for an output of a transaction statement, and a PIN code generating unit and a receipt issuing unit for generating and outputting a PIN code in response to the received request. The digital multi-function peripheral is adapted to include an operation panel receiving the PIN code input by a user operation, a control unit obtaining transaction statement data corresponding to the received PIN code from the Web server, and a printer unit outputting a transaction statement based on the obtained transaction statement data.

Abstract: Systems and methods are disclosed for identifying circumstances where end-to-end security is not available to a mobile banking customer. The user may be alerted/warned or restricted from accessing some banking services through his/her WAP-enabled mobile device if the bank server determines that end-to-end security is not available. In some instances, the bank server may access a computer data file containing a list of known end-to-end secure devices and gateways to verify the integrity of the data communication. The server may verify the integrity of the data communication using loose matching.

Abstract: A method, wireless communication device, and radio frequency ID reader are provided for monitoring radio-frequency identification enabled items. The method includes receiving a set of radio frequency IDs (1104) representing a set of radio frequency ID enabled items (110) to be monitored. An identifier representing a user activity and its relationship with at least one radio frequency ID in the set of radio frequency IDs and at least one radio frequency ID reader is received (1106). The method also includes determining if at least one condition associated with the user activity has occurred indicating that the user activity is occurring (1108). The set of radio frequency IDs representing a set of radio frequency ID enabled items (110) to be monitored by the at least one radio frequency ID reader are monitored (1110) in response to the determining that the at least one condition is occurring.

Abstract: Disclosed is a system for payment data exchange comprising a payment terminal device (10) for coupling to a point of sale device and to a mobile phone (14), an authorization center (1) for coupling to a mobile voice network (5) and to a financial information system, the mobile phone (14) for coupling to the mobile voice network (5) and to the payment terminal device (10). The payment data exchange is performed from the payment terminal device (10) via the mobile phone (14) and the mobile voice network (5) to the authorization center (1) and, vice versa, from the authorization center via the mobile voice network and the mobile phone to the payment terminal device, wherein the payment data are transferred between the payment terminal device (10) and the mobile phone (14) on voice information.

Abstract: Systems and methods of verifying identity through the use of a plurality of identifying devices is provided. The identity information may be acquired electronically from a plurality of identity devices, which may include credit cards, cell phones, or other personal items fitted with wireless communicators such as RFID tags, for example. In various embodiments, the transaction may be approved or denied based on a number of factors, including the number identity devices, the types of identity information provided by the identity devices, and the level of security specified for the requested transaction.

Abstract: A novel Keno game is disclosed in which additional bonus numbers are randomly chosen and displayed in addition to twenty numbers randomly picked for game play. When there are a first predetermined number of matches between the additional bonus numbers and the random twenty numbers the player is awarded a bonus, and the type is bonus is identified by a selection made by the player. The type of bonus is printed out on a bonus ticket that is dispensed to the player. In a subsequent round of Keno game play a player is prompted to insert certain types of bonus ticket if there is a second predetermined number of matches between the additional bonus numbers and the twenty random numbers the player is prompted to insert into the Keno game machine types of bonus tickets that they hold. When the player inserts a bonus ticket it is read and retained and a subsequent round of Keno game play is modified according to the type of bonus identified.

Abstract: A system, method and computer program product are provided for carrying out a transaction. Initially, a transaction pattern reflecting a transaction is stored in memory. Thereafter, the transaction pattern is executed to carry out the transaction in an automated manner.

Abstract: A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.

Abstract: An animation data sales mediation method, an animation data sales mediation system and so on are capable of providing large capacity data such as animation data by a large capacity storage medium in advance, rendering the time required for transfer of the data via the network extremely short by passing a key code for viewing the animation data via the network, rendering the labor and costs required for sales of the animation data extremely low, and providing the latest unauthorized copy technology to the animation data. The animation data sales mediation system has the steps of having a user terminal send to a large capacity data sales server an online access code corresponding to the large capacity data one to one, having the large capacity data sales server send the key code to the user terminal, having the user terminal encrypt and store the key code, and having the animation data used by using the key code.

Abstract: The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

Abstract: The present invention relates to methods and systems for identity verification. The method includes transmitting from a customer system to a customer connector server an identity verification request containing identification information for an individual. At the customer connector server, at least one verification service required for the request is identified and a data manager server is selected for each service. A verification service request is transmitted to each data manager server. At each data manager server, at least one data access service is identified and one data connector server is selected for each service. A data accesss service request is transmitted to each data connector server. At least one data source is accessed from each data connector server for each request. The identification information provided is then verified against identity information stored within the at least one data source and a response is generated and communicated to the customer system.

Abstract: Credit card transaction authorization is performed using ad-hoc, short-range wireless links to obtain item identification information from items that include ad-hoc short range wireless link transmitters and that are carried by a user who is associated with a prospective credit card transaction. Authorization information for the prospective credit card transaction is generated based on the item identification information that was obtained. Location information for a wireless terminal that is associated with the user and/or Internet Protocol (IP) address information for a transaction terminal that is associated with the transaction may also be used. Related systems, devices and computer program products are also described.

Abstract: A method and apparatus for the digital signing of a message to be signed, the message to be signed is transmitted via a communication network to a mobile radio telephone to be used as a signing unit. A message to be signed is transmitted from a transmitter to a receiver and then from the receiver to the mobile radio telephone via a telephone network. The mobile radio telephone user indicates that the message to be signed should be signed, and the mobile radio telephone generates a signed message. The signed message is then transmitted from the mobile radio telephone to the receiver and from the receiver to an addressee.

Abstract: Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.

Abstract: The invention relates to a method for interaction between a user (32, 24), for example, a newspaper publisher, and at least one receiver (A, B, C) to whom a printed product (12, 23, 23a, 23b, 23c, 26) comprising at least one RFID tag (14, 14a, 14b, 14c) is delivered. At least one specific piece of additional information (a, b, c, 42) is stored in at least one RFID tag (14, 14a, 14b, 14c) for the purposes of interaction.

Abstract: A tax refund system is disclosed in which in exchange for a taxpayer assigning all or a portion of his or her tax refund, a participating provider provides to the taxpayer a spending vehicle with buying power at participating outlets. Tax return data for an individual's tax return is processed by the IRS. A taxpayer consents to using a portion of the tax return data to acquire a spending vehicle from a financial institution of the taxpayer's choosing. Using a portion of the tax return data, the IRS arranges to electronically transfer an amount related to the taxpayer's refund to an account at the financial institution selected by the taxpayer. A taxpayer then receives a spending vehicle such as a credit, debit, or cash card, spending account, coupon, or rebate from a financial institution or other spending vehicle provider such as a retailer, service provider, wholesaler, distributor, or entertainment entity.

Abstract: A method for enabling a user to effect an action with respect to records pertaining to an identification document or document that has an identification function is provided. The method may include associating a telephone number with the document, the user establishing a communications link which identifies the telephone number, verifying that the telephone number with which the communications link is established corresponds with the telephone number associated with the document, and enabling the user to effect an action with respect to the records pertaining to the document only if the verification is successful.

Abstract: A system may confirm that advertising was played as originally intended. For example, in one embodiment, a system may determine that an advertisement was played as originally intended and in return, a credit may be provided to the user. This credit may be the ability to play content that the user wishes to play or the credit may be in the form of rewards that are provided to the user, as another example. Thus, the system determines whether the advertisements are played correctly, for example, by detecting watermarks encoded within the advertising, and in return, provides indications that reward the user for playing the advertisement as intended.

Abstract: A method for implementing an anonymous face to face or Mail Order Telephone Order credit card transaction by a user who has established a user account associated with a fictitious name. The user generates a valid personal charge number by executing an algorithm in a computer affixed to the electronic credit card that uses a user key and a card number as input variables. A merchant is provided with the valid personal charge number and the fictitious name that is submitted for approval to a credit approval center. The electronic credit card is sized such that a standard magnetic stripe reader can read it.

Abstract: An apparatus is provided for validating a device. The apparatus includes a first integrated circuit which is configured to generate a random number, reference information using the random number and a secret key. A control system is configured to: receive the random number and the reference information from the first integrated circuit, receive validation information from a second integrated circuit positioned on the device whereby the validation information is generated by the second integrated circuit using the random number and the secret key, and compare the reference and validation information received from the integrated circuits to validate the device.

Abstract: The present invention relates to the field of electronic transactions and more particularly concerns a dynamic configurable transaction system capable of dynamically configuring a transaction terminal and dynamically processing a transactional operation, as well as to a method associated thereto. There is provided a dynamic configurable transaction system enabling a user to complete a transactional operation through a central server. The system comprises a transaction terminal in communication with the central server via a system network and a server application at the central server.

Abstract: In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.

Abstract: Methods and systems are provided herein for the analysis of clickstream data of online users. The analysis methods and systems allow for the creation of new offline business methods based on online consumer behavior.

Abstract: A method for authenticating a user, the method including: receiving a first value associated with an account from the user, receiving a second value associated with the account from an automated system, comparing the first value with the second value to generate a comparison, and authenticating the user based on the comparison.

Abstract: The present invention relates to a payment mat that wirelessly communicates with a payment device for payment of items, such as goods and/or services, in a retail environment. A customer presents the payment device within the radiation range of an antenna contained in the payment mat for payment. The payment mat may also include a visual indicator, audio indicator, keypad, transaction display, advertising display, receipt printer, and transaction card reader. The payment mat may be constructed out of a rigid or flexible material. The payment mat may be placed flat on counters in retail stores, nearby cash registers or order entry devices. The payment mat may be placed on drive-thru windows in retail environment, such as quick service restaurants (QSR) or pharmaceutical stores. The payment mat may be placed behind a secure order entry window.

Abstract: According to an embodiment of the present invention, a computer implemented method and system for automatically implementing a fraud strategy may involve identifying transaction data related to a customer transaction based on a payment instrument; automatically identifying a pattern based on one or more factors associated with a customer spending profile; identifying a potential fraud situation based on the identified pattern and the transaction data; executing an action for the potential fraud situation; and adjusting authorized use of the payment instrument.

Abstract: Systems, methods, and devices for conducting sales transactions are provided. Embodiments include handheld, portable, electronic, point of purchase devices configured to acquire identification information from articles to be purchased, to determine a purchase price, and to acquire payment information for the purchase price. The point of purchase devices may include one or more input devices such as a near field communication device, a camera, a scanner, and a biometric sensor for acquiring the identification information and/or the payment information. In some embodiments, the near field communication device may be detachable from the point of purchase device. The point of purchase devices also may contain communication interfaces, such as a near field communication interface, a local area network interface, a short message service interface, and a personal area network interface, for transmitting the information to an external server.

Abstract: A method, radio frequency ID reader, and wireless communication device monitor radio-frequency identification enabled items associated with a group activity. The method includes receiving a set of radio frequency IDs representing a set of radio frequency ID enabled items (110) to be monitored. The set of radio frequency enabled items (110) are associated with at least one group activity. Each radio frequency ID enabled item (110) is determined to be associated with one of an individual and a group of individuals. The method also includes determining if at least one condition associated with the group activity has occurred indicating that the group activity is occurring (1004). The set of radio frequency IDs representing the set of radio frequency ID enabled items (110) is monitored for in response to determining that the at least one condition is occurring.

Abstract: An identity verification system and method for monitoring transactions has a point of transaction input component configured for inputting information pertaining to the identity of a person involved in a transaction and for inputting a transaction amount. A biometric scanner is provided for scanning a unique and identifiable physical attribute of the person and thereupon generating scanned biometric data. A controller communicates with the point of transaction input component and the biometric scanner. A remote input component is provided for inputting financial data field parameters. A database communicates with the controller for storing reference biometric data. The controller is configured for comparing the scanned biometric data with the reference biometric data to determine if there is a substantial match and for comparing the transaction amount to the financial data field parameters to determine if the transaction amount meets the financial data field parameters for validating the transaction.

Abstract: One representative embodiment provides for the use of frequent flyer miles awarded to a customer by an airline as currency/alternative card type at the point-of-sale. For example, a customer dining at a restaurant can be given the option of paying with frequent flyer miles in addition to other traditional payment types. In such an implementation, the merchant swipes the frequent flyer card at the point-of-sale; the ‘conversion’ of the cost of the goods/services into frequent flyer miles is displayed for the customer; and the customer has the choice of completing the payment by frequent flyer miles or other traditional payment types. Settlement then occurs between merchant and a card processor and the card processor and the airline, respectively.

Abstract: The mobile commerce authentication and authorization system disclosed, illustrated, and claimed allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the user of the mobile wireless communications instrument is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device.

Abstract: A method and apparatus for providing multi-domain control over a digital data item via a first domain security policy assigned to the digital data item at a first domain, the data item being transferred from the first domain to a second domain, the second domain being autonomous from the first domain in respect of security policies. The method comprises assigning the security policy to the digital item within the first domain; transferring the digital items to the second domain together with data defining the first domain security policy; analyzing the first domain security policy within the second domain; and distributing and/or allowing usage of the digital items within the second domain in accordance with analyzed first domain security policy, and/or reporting breaches or attempted breaches of the policy.

Abstract: A mobile device includes a light source and a light source controller. Data to be transmitted to a point of sale or point of use is obtained by the mobile device, and the light source controller controls the light emitted by the light source to emit light in a blinking pattern that simulates light that would be reflected to a laser scanner when a laser scanner is reading a barcode corresponding to the data to be transmitted. The light, emitted in the blinking pattern, is detected by a laser scanner which then decodes the data represented by the blinking pattern to obtain the data transmitted from the mobile device.

Abstract: A method of a discount on the purchase of includes determining accumulated discount information each time: (i) a customer performs one of one or more predefined actions, (ii) customer identification information is received in association with the performed action, and (iii) first information relating to the performed action is received. The accumulated discount information is determined by converting the first information into a point value, and deriving the accumulated discount information from the point value. The accumulated discount information is stored in association with the customer identification information. The method further includes obtaining the customer identification information when the customer initiates the purchase of gasoline, obtaining the accumulated discount information using the customer identification information, and providing the customer with a discount on the purchase of gasoline based on the accumulated discount information.

Abstract: A control method of a vending machine which has a display module to display an image stored therein or inputted from the outside is provided. The control method includes: determining whether a door of the vending machine is open; changing an image mode displayed on the display module if it is determined that the door of the vending machine is open; and displaying a certification mode window to certify a user if the image mode is changed.

Abstract: A security system comprises a host system, a plurality of master controllers and a plurality of sub-controllers, wherein each sub-controller is assigned a specific master controller as well as alternate master controllers for communication access upon failure of the primary master controller. The host, master controller and sub-controllers are all coupled by a series of primary communication networks and paths and have multiple alternative communication network paths which function should there be a failure of the primary communication network. The host system comprises system and application software, data storage devices and communication ports to support the application requirements of the master controller, sub-controller network and access control devices attached thereto necessary to support a fault tolerant network.

Abstract: The present invention provides a method for managing an account for an unidentified individual by communicating with the unidentified individual who is using a device to communicate which transmits an identifier associated with the origin of the communication, obtaining from the unidentified individual a group of characters associated with the unidentified individual's personal information, comparing the group of characters to a database including a plurality of personal information associated with a plurality of individuals, identifying from the plurality of individuals one individual whose plurality of personal information includes the group of characters associated with the unidentified individual, and managing an account for the identified individual in an account database.