Methods and systems for online fraud protection

1. A computer implemented method of certifying a user identity (ID), the method comprising:

receiving, at a computer system from a customer, a certification request for a user ID associated with one or more ecommerce websites;

identifying, by the computer system, the user ID's owner;

collecting, by the computer system, information about the owner, wherein the information includes at least one of financial information, personal information, and biographical information;

analyzing, by the computer system, the collected information to generate a risk score associated with the user ID;

determining whether the risk score exceeds a threshold;

when it is determined that the risk score exceeds the threshold:

certifying, by the computer system, the user ID, wherein the certification comprises providing an assurance of a successful transaction at the one or more ecommerce websites with the owner of the user ID; and

providing the certification to the customer that requested the certification; and

when it is determined that the risk score does not exceed the threshold:

adding the user ID to a restricted list; and

providing, to the customer:

an indication that a certification has not been issued in response to the certification request;

the risk score associated with the user ID; and

an option for proceeding with a transaction with the owner.

2. The method of claim 1 , further comprising, when it is determined that the risk score does not exceed the threshold, transmitting a notification of the denial to the owner of the user ID.

3. The method of claim 2 , wherein the notification is transmitted to the owner using at least one of text messaging, email, short message service (SMS), and instant messaging.

4. The method of claim 2 , wherein the notification is a real-time browser message indicating one or more of the following: approval, denial, certification, and non-certification.

5. The method of claim 1 , further comprising, when it is determined that the risk score does not exceed the threshold, restricting the customer from entering into a transaction with the owner of the user ID.

6. The method of claim 1 , wherein the certification of the user ID comprises guaranteeing a successful transaction between the customer and the certified user ID.

7. The method of claim 6 , further comprising, in response to a transaction with the certified user ID defaulting, refunding the customer's loss.

8. The method of claim 1 , further comprising:

collecting information for additional user IDs;

analyzing the information for the additional user IDs;

generating risk scores for each of the additional user IDs; and

based on the additional user IDs exceeding the threshold, certifying the additional user IDs. additional user IDs.

9. The method of claim 8 , further comprising:

generating a list of certified user IDs; and

publishing the list.

10. The method of claim 8 , further comprising associating a certification logo with each of the certified user IDs.

11. The method of claim 8 , further comprising storing the collected information for the additional user IDs in a database.

12. The method of claim 11 , further comprising:

collecting additional information about the additional user IDs; and

updating the additional user IDs with the additional information.

13. The method of claim 1 , wherein the one or more ecommerce website are at least one of an online auction site, a brick and mortar store'S website, a classified website, and a virtual store website.

14. The method of claim 1 , wherein the biographical information includes at least one of the owner's drivers license number, home address, social security number, work address, home phone number, work phone number, marital status, and employment status.

15. The method of claim 1 , wherein the financial information includes at least one of the owner's transaction history, bank account information, credit account information, credit score, credit report, past transaction faults, and feedback rating.

16. The method of claim 15 , wherein the past transaction faults include one or more of denial payment, no payment, returned payment, and number of chargebacks per transaction.

17. The method of claim 1 , wherein the customer signs up for a certification service.

18. The method of claim 1 , further comprising charging a fee for certification of the user ID.

19. The method of claim 1 , wherein the analysis further includes checking a transaction history associated with the user ID for suspicious activity.

20. The method of claim 1 , wherein the customer comprises a seller.

21. the method of claim 1 , wherein the customer comprises the buyer.

22. A non-transitory machine-readable medium of certifying a user identity (ID), having sets of instructions stored thereon which, when executed by a machine, cause the machine to:

receive, from a customer, a certification request for a user ID associated with one or more ecommerce services;

identify the user ID's owner;

collect information about the owner, wherein the information includes at least one of financial information, personal information, and biographical information;

analyze the collected information to generate a risk score associated with the user ID;

determine whether the risk score exceeds a threshold;

when it is determined that the risk score exceeds the threshold:

certify, by the computer system, the user ID, wherein the certification comprises providing an assurance of a successful transaction at the one or more ecommerce websites with the owner of the user ID; and

provide the certification to the customer that requested the certification; and

when it is determined that the risk score does not exceed the threshold:

add the user ID to a restricted list; and

provide, to the customer:

an indication that a certification has not been issued in response to the certification request;

the risk score associated with the user ID; and

an option for proceeding with a transaction with the owner.