Identity verification system
A central computer system transforms identification information of a consumer into an identity code that hides the identification information and stores it with contact information of a consumer's computer system. When a computer system on the network of the central computer system conducts a transaction with a subject who uses the identity code of the consumer, the central computer system contacts the consumer's computer system so that the consumer can stop the transaction if it is not authorized. Because only the identity code is used to protect the consumer, the original identification information of the consumer is fully protected.
1. A computer network system for verifying an identity of a first subject during an account opening process, comprising:
a first illicit proceeds tracking system physically coupled to a computer network via a first network interface, the first illicit proceeds tracking system opening an account for the first subject, the first illicit proceeds tracking system configured to transmit, on a communications channel via the computer network to a central computer system, identification information of the first subject and account information for a third party organization to which the first subject is associated;
the central computer system physically coupled to the computer network via a second network interface that is different from the first network interface, the central computer system configured to transform the identification information of the first subject into a first identity code that hides the identification information of the first subject,
the central computer system configured to transmit a request to the computer network, the request including the first identity code and the account information;
a second illicit proceeds tracking system of the third party organization physically coupled to the computer network via a third network interface that is different from the first network interface and different from the second network interface, the second illicit proceeds tracking system configured to receive via the third network interface the first identity code and the account information and configured to determine whether the first identity code matches a second identity code for an account holder corresponding to the account information, the second identity code stored in a database at the second illicit proceeds tracking system; and
a third illicit proceeds tracking system physically coupled to the computer network via a fourth network interface that is different from the first network interface, different from the second network interface, and different from the third network interface, the third illicit proceeds tracking system configured to receive via the fourth network interface the first identity code and the account information and configured to determine whether the first identity code matches a third identity code for the account holder corresponding to the account information, the third identity code stored in a database at the third illicit proceeds tracking system,
wherein the central computer system is configured to receive from the second illicit proceeds tracking system in response to the request, a piece of information associated with the account information when the second illicit proceeds tracking system determined the first identity code matches the second identity code, the central computer system configured to transmit to the first illicit proceeds tracking system, a question related to the piece of information, the central computer system configured to receive from the first illicit proceeds tracking system, an answer in response to the question, and configured to transmit to the first illicit proceeds tracking system, a message corresponding to the answer.
2. The computer network system of claim 1 , in which the identification information further comprises at least one of a name, an address, a date of birth, a personal identification number, a user ID, a password, a tax identification number, a type of the identification document used, an identity number associated with the identification document, a country, state, government organization and/or a private organization issuing the identification document, an expiration date of the identification document, a financial instrument number, a type of the financial instrument, an expiration date of the financial instrument, a financial account number, a type of the financial account, a phone number, a screen name, an email address, a photograph, a physical description, other information that can be used to identify a person, or a combination thereof.
3. The computer network system of claim 2 , in which the financial instrument comprises at least one of cash, a 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, a precious metal, gold, silver, any instrument that can be used to conduct financial transaction, or a combination thereof.
4. The computer network system 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.
5. The computer network system 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.
6. The computer network system 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.
7. The computer network system of claim 1 , in which the first illicit proceeds tracking system comprises a device interface associated with at least one of an individual, an organization, or a combination thereof.
8. The computer network system of claim 7 , 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.
9. The computer network system of claim 1 , in which the second illicit proceeds tracking system comprises a device interface associated with at least one of a financial institution, a merchant, an organization, or a combination thereof.
10. The computer network system of claim 9 , 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.
11. The computer network system of claim 9 , 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.
12. The computer network system of claim 1 , in which the central computer system comprises a device interface connected to a network of computer systems.
13. The computer network system of claim 12 , 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.