Transactional approval system

Abstract

A computerized method for transactional approval stores, at a first computer system, first user identification data associated with a user. The first user identification data is insufficient to confirm an identity of the user. The computerized method stores, at the first computer system, first account identification data associated with the first user identification data. The computerized method receives, at the first computer system, second account identification data associated with a transaction, the second account identification data received from a second computer system. The computerized method also receives, at the first computer system, electronically obtained identification data associated with the transaction. Finally, the computerized method approves, by the first computer system, the transaction when the electronically obtained identification data associated with the transaction corresponds to the first user identification data, and the second account identification data corresponds to the first account identification data.

What is claimed is: 
     
         1 . A computerized method for transactional approval, comprising:
 storing, at a first computer system, first user identification data associated with a user, the first user identification data being insufficient to confirm an identity of the user;   storing, at the first computer system, first account identification data associated with the first user identification data;   receiving, at the first computer system, second account identification data associated with a transaction, the second account identification data received from a second computer system;   receiving, at the first computer system, electronically obtained identification data associated with the transaction; and   approving, by the first computer system, the transaction when the electronically obtained identification data associated with the transaction corresponds to the first user identification data, and the second account identification data corresponds to the first account identification data.   
     
     
         2 . The computerized method of  claim 1 , in which the electronically obtained identification data comprises information from at least one of a driver's license, a passport, a government-issued identification document, an alien identification card, a student identification card, a social security card, a tax identification card, a national identification card, a voter identification card, a benefits card, an official identification document, or a combination thereof. 
     
     
         3 . The computerized method of  claim 1 , in which the first computer system comprises at least one of a personal communication device, a device interface, or a combination thereof. 
     
     
         4 . The computerized method of  claim 3 , 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, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer 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. 
     
     
         5 . The computerized method of  claim 1 , in which the second computer system comprises at least one of a personal communication device, a device interface, or a combination thereof. 
     
     
         6 . The computerized 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, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer 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 computerized method of  claim 1 , in which the first account identification data is associated with at least one of a check, a credit card, a debit card, a gift card, a prepaid card, a stored value card, an ATM card, a wire, a letter of credit, a monetary instrument, an electronic fund transfer, an instrument for a financial account, or a combination thereof. 
     
     
         8 . The computerized method of  claim 1 , in which the first user identification data is associated with 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 identification document, an identity number of an identification document, a country, a state, a government organization issuing the identification document, a private organization issuing the identification document, an expiration date of the identification document, a phone number, a screen name, an e-mail address, a photograph, a fingerprint, an iris scan, a physical description, biometric information, or a combination thereof. 
     
     
         9 . A non-transitory computer-readable medium having program code recorded thereon for transactional approval, the program code comprising:
 program code to store first user identification data associated with a user, the first user identification data being insufficient to confirm an identity of the user;   program code to store first account identification data associated with the first user identification data;   program code to receive second account identification data associated with a transaction, the second account identification data received from a second computer system;   program code to receive electronically obtained identification data associated with the transaction; and   program code to approve the transaction when the electronically obtained identification data associated with the transaction corresponds to the first user identification data, and the second account identification data corresponds to the first account identification data.   
     
     
         10 . The non-transitory computer-readable medium of  claim 9 , in which the electronically obtained identification data comprises information from at least one of a driver's license, a passport, a government-issued identification document, an alien identification card, a student identification card, a social security card, a tax identification card, a national identification card, a voter identification card, a benefits card, an official identification document, or a combination thereof. 
     
     
         11 . The non-transitory computer-readable medium of  claim 9 , in which the first computer system comprises at least one of a personal communication device, a device interface, or a combination thereof. 
     
     
         12 . The non-transitory computer-readable medium of  claim 11 , 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, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer 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. 
     
     
         13 . The non-transitory computer-readable medium of  claim 9 , in which the second computer system comprises at least one of a personal communication device, a device interface, or a combination thereof. 
     
     
         14 . The non-transitory computer-readable medium of  claim 13 , 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, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer 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. 
     
     
         15 . The non-transitory computer-readable medium of  claim 9 , in which the first account identification data is associated with at least one of a check, a credit card, a debit card, a gift card, a prepaid card, a stored value card, an ATM card, a wire, a letter of credit, a monetary instrument, an electronic fund transfer, an instrument for a financial account, or a combination thereof. 
     
     
         16 . The non-transitory computer-readable medium of  claim 9 , in which the first user identification data is associated with 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 identification document, an identity number of an identification document, a country, a state, a government organization issuing the identification document, a private organization issuing the identification document, an expiration date of the identification document, a phone number, a screen name, an e-mail address, a photograph, a fingerprint, an iris scan, a physical description, biometric information, or a combination thereof. 
     
     
         17 . A transaction approval system, comprising:
 a memory device; and   at least one processor coupled to the memory device, the at least one processor configured:
 to store first user identification data associated with a user, the first user identification data being insufficient to confirm an identity of the user; 
 to store first account identification data associated with the first user identification data; 
 to receive second account identification data associated with a transaction, the second account identification data received from a second computer system; 
 to receive electronically obtained identification data associated with the transaction; and 
 to approve the transaction when the electronically obtained identification data associated with the transaction corresponds to the first user identification data, and the second account identification data corresponds to the first account identification data. 
   
     
     
         18 . The transaction approval system of  claim 17 , in which the electronic obtained identification data comprises information from at least one of a driver's license, a passport, a government-issued identification document, an alien identification card, a student identification card, a social security card, a tax identification card, a national identification card, a voter identification card, a benefits card, an official identification document, or a combination thereof. 
     
     
         19 . The transaction approval system of  claim 17 , in which the transaction approval system comprises at least one of a personal communication device, a device interface, or a combination thereof. 
     
     
         20 . The transaction approval system of  claim 19 , 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, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer 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. 
     
     
         21 . The transaction approval system of  claim 17 , in which the second computer system comprises at least one of a personal communication device, a device interface, or a combination thereof. 
     
     
         22 . The transaction approval system of  claim 21 , 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, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer 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. 
     
     
         23 . The transaction approval system of  claim 17 , in which the first account identification data is associated with at least one of a check, a credit card, a debit card, a gift card, a prepaid card, a stored value card, an ATM card, a wire, a letter of credit, a monetary instrument, an electronic fund transfer, an instrument for a financial account, or a combination thereof. 
     
     
         24 . The transaction approval system of  claim 23 , in which the first user identification data is associated with 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 identification document, an identity number of an identification document, a country, a state, a government organization issuing the identification document, a private organization issuing the identification document, an expiration date of the identification document, a phone number, a screen name, an e-mail address, a photograph, a fingerprint, an iris scan, a physical description, biometric information, or a combination thereof.