CONSUMER PROTECTION SYSTEM

1 . A computer-implemented method for protecting against financial crimes, comprising:

receiving, at a third computer system from a first computer system, identification information of a first subject;

transforming, by the third computer system, the identification information of the first subject into a first identity code that hides the identification information of the first subject;

transmitting, from the third computer system to a second computer system, the first identity code;

receiving, at the third computer system from the second computer system, a piece of information when the second computer system determines that the first identity code matches a second identity code transformed from a second subject stored in the second computer system, the second identity code hiding identification information of the second subject;

transmitting, from the third computer system to the first computer system, a question associated with the piece of information;

receiving, at the third computer system from the first computer system, an answer in response to the question; and

approving, by the third computer system, a request from the first computer system when the answer is correct.

2 . The computer-implemented method of claim 1 , in which the identification information of the first subject is transformed into the first identity code through at least one of selecting characters, encoding characters, arranging characters, recombining characters, encrypting characters, converting characters, breaking characters into bytes, selecting bytes, converting bytes, rearranging sequence of bytes, recombining bytes into characters, encrypting bytes, or a combination thereof.

3 . The computer-implemented method of claim 1 , in which the first subject comprises at least one of a person, an object, an organization, a legal entity, a tangible property, an intangible property, a document, a concept, a plan, a design, a benefit, an asset, a liability, a trade secret, an equity, money, confidential information, a financial instrument, a non-financial instrument, or a combination thereof

4 . The computer-implemented method of claim 1 , in which the piece of information is associated with at least one of cash, virtual currency, a virtual security, a virtual instrument, a credit card, a debit card, an ATM card, a prepaid card, a stored value card, a gift card, a check, a monetary instrument, a wire transfer, an ACH transfer, a letter of credit, a note, a security, a commercial paper, a commodity, precious metal, gold, silver, or a combination thereof.

5 . The computer-implemented method of claim 1 , in which the first computer system comprises a device interface associated with at least one of an individual, an organization, or a combination thereof.

6 . The computer-implemented method of claim 5 , in which the device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, an electrical interface, an electronic interface, a magnetic interface, an electromagnetic interface including electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a video interface, an audio interface, a contactless interface, a mobile phone interface, a smartphone interface, a smartbook interface, a tablet interface, other communication device interface, a Personal Digital Assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

7 . The computer-implemented method of claim 1 , in which the second computer system comprises a device interface associated with a financial institution.

8 . The computer-implemented method of claim 7 , in which the financial institution comprises at least one of a bank, credit union, money services business, financial holding company, insurance company, insurance agency, mortgage company, mortgage agency, stockbroker, stock agency, bond broker, bond agency, commodity broker, commodity agency, trading company, trading agency, other financial service provider, other financial agency, stock exchange, commodity exchange, currency exchange, virtual currency company, virtual currency issuer, virtual currency service provider, virtual currency network provider, virtual currency computer provider, virtual currency dealer, virtual currency exchange, virtual securities exchange, bond exchange, other exchange, funds manager, investment company, private equity firm, venture capital firm, virtual currency company, merchant acquirer, payment processor, payment card issuer, payment card program manager, internet merchant, other organization related to financial services, or a combination thereof.

9 . The computer-implemented method of claim 1 , in which the third computer system comprises a device interface connected to a network of computer systems.

10 . The computer-implemented method of claim 1 , further comprising:

receiving, at the third computer system from the first computer system, a first account number and contact information of the first computer system;

receiving, at the third computer system from a fourth computer system, a second account number and a description of a transaction;

transmitting, from the third computer system to the first computer system, the description of the transaction at least partially based on the contact information of the first computer system when the first account number matches the second account number;

receiving, at the third computer system from the first computer system, an instruction in response to transmitting the description of the transaction; and

transmitting, from the third computer system to the fourth computer system, a message corresponding to the instruction.

11 . The computer-implemented method of claim 10 , in which the fourth computer system comprises a device interface associated with at least one of a merchant, a financial institution, or a combination thereof.

12 . The computer-implemented method of claim 10 , in which the request is associated with a financial instrument comprising at least one of cash, virtual currency, a virtual security, a virtual instrument, a credit card, a debit card, an ATM card, a prepaid card, a stored value card, a gift card, a check, a monetary instrument, a wire transfer, an ACH transfer, a letter of credit, a note, a security, a commercial paper, a commodity, precious metal, gold, silver, or a combination thereof

13 . The computer-implemented method of claim 10 , further comprising transmitting, from the third computer system to a plurality of computer systems, the first account number when the instruction indicates the transaction has been rejected.

14 . A computer-implemented method for protecting against financial crimes, comprising:

transmitting, from a third computer system to a second computer system, a second passcode;

receiving, at the third computer system from a first computer system, a first passcode in response to transmitting the second passcode;

receiving, at the third computer system from the first computer system, a first financial instrument number;

receiving, at the third computer system from a fourth computer system, a second financial instrument number and a description of a transaction;

transmitting, from the third computer system to the first computer system, the description of the transaction when the first passcode corresponds to the second passcode and the first financial instrument number matches the second financial instrument number;

receiving, at the third computer system from the first computer system, a message in response to transmitting the description of the transaction; and

transmitting, from the third computer system to the fourth computer system, an instruction corresponding to the message.

15 . The computer-implemented method of claim 14 , in which the first financial instrument number is associated with at least one of cash, virtual currency, a virtual security, a virtual instrument, a credit card, a debit card, an ATM card, a prepaid card, a stored value card, a gift card, a check, a monetary instrument, a wire transfer, an ACH transfer, a letter of credit, a note, a security, a commercial paper, a commodity, precious metal, gold, silver, or a combination thereof

16 . The computer-implemented method of claim 14 , in which the second financial instrument number is associated with at least one of cash, virtual currency, a virtual security, a virtual instrument, a credit card, a debit card, an ATM card, a prepaid card, a stored value card, a gift card, a check, a monetary instrument, a wire transfer, an ACH transfer, a letter of credit, a note, a security, a commercial paper, a commodity, precious metal, gold, silver, or a combination thereof

17 . The computer-implemented method of claim 14 , in which the first computer system comprises a device interface associated with an individual, an organization, or a combination thereof.

18 . The computer-implemented method of claim 14 , in which the second computer system comprises a device interface associated with a financial institution.

19 . The computer-implemented method of claim 14 , in which the third computer system comprises a device interface connected to a network of computer systems.

20 . The computer-implemented method of claim 14 , in which the fourth computer system comprises a device interface associated with at least one of a merchant, a financial institution, or a combination thereof.

21 . A computer-implemented method of claim 14 , further comprising transmitting, from the third computer system to a plurality of computer systems, the first financial instrument number when the message indicates the transaction has been rejected.

22 . A computer system for protecting against financial crimes, comprising:

a memory device; and

at least one processor coupled to the memory device, the at least one processor configured:

to receive from a first computer system identification information of a first subject;

to transform the identification information of the first subject into a first identity code that hides the identification information of the first subject;

to transmit to a second computer system the first identity code;

to receive from the second computer system a piece of information when the second computer system determines that the first identity code matches a second identity code transformed from a second subject stored in the second computer system, the second identity code hiding identification information of the second subject;

to transmit to the first computer system a question associated with the piece of information;

to receive from the first computer system an answer in response to the question; and

to approve a request from the first computer system when the answer is correct.

23 . The computer system of claim 22 , in which the at least one processor is further configured:

to receive from the first computer system a first account number and contact information of the first computer system;

to receive from a fourth computer system a second account number and a description of a transaction;

to transmit to the first computer system the description of the transaction at least partially based on the contact information of the first computer system when the first account number matches the second account number;

to receive from the first computer system an instruction in response to transmitting the description of the transaction; and

to transmit to the fourth computer system a message corresponding to the instruction.

24 . A computer system for protecting against financial crimes, comprising:

a memory device; and

at least one processor coupled to the memory device, the at least one processor configured:

to transmit to a second computer system a second passcode;

to receive from a first computer system a first passcode in response to transmitting the second passcode,

to receive from the first computer system a first financial instrument number;

to receive from a fourth computer system a second financial instrument number and a description of a transaction;

to transmit to the first computer system the description of the transaction when the first passcode matches the second passcode and the first financial instrument number matches the second financial instrument number;

to receive from the first computer system a message in response to transmitting the description of the transaction; and

to transmit to the fourth computer system an instruction corresponding to the message.

25 . A non-transitory computer-readable medium having program code recorded thereon to manage a network of computer systems privately and confidentially, the program code comprising:

program code to receive from a first computer system identification information of a first subject;

program code to transform the identification information of the first subject into a first identity code that hides the identification information of the first subject;

program code to transmit to a second computer system the first identity code;

program code to receive from the second computer system a piece of information when the second computer system determines that the first identity code matches a second identity code transformed from a second subject stored in the second computer system, the second identity code hiding identification information of the second subject;

program code to transmit to the first computer system a question associated with the piece of information;

program code to receive from the first computer system an answer in response to the question; and

program code to approve a request from the first computer system when the answer is correct.

26 . The non-transitory computer-readable medium of claim 25 , in which the program code further comprises:

program code to receive from the first computer system a first account number and contact information of the first computer system;

program code to receive from a fourth computer system a second account number and a description of a transaction;

program code to transmit to the first computer system the description of the transaction at least partially based on the contact information of the first computer system when the first account number matches the second account number;

program code to receive from the first computer system an instruction in response to transmitting the description of the transaction; and

program code to transmit to the fourth computer system a message corresponding to the instruction.

27 . A non-transitory computer-readable medium having program code recorded thereon to manage a network of computer systems privately and confidentially, the program code comprising:

program code to transmit to a second computer system a second passcode;

program code to receive from a first computer system a first passcode in response to transmitting the second passcode, program code to receive from the first computer system a first financial instrument number;

program code to receive from a fourth computer system a second financial instrument number and a description of a transaction;

program code to transmit to the first computer system the description of the transaction when the first passcode corresponds to the second passcode and the first financial instrument number matches the second financial instrument number;

program code to receive from the first computer system a message in response to transmitting the description of the transaction; and

program code to transmit to the fourth computer system an instruction which corresponds to the message.