| 主权项 |
1. A method for verification of user identity, comprising:
storing, in an account database, a plurality of account profiles, each account profile including data related to a user account of a non-financial institution (NFI) entity, said data including at least an account identifier and an address; receiving, by a receiving device, a transaction request, wherein the transaction request includes at least a specific account identifier and a transaction amount; identifying, by a processing device, a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier; generating, by the processing device, a controlled payment number, wherein the controlled payment number is associated with a transaction account of the NFI entity; transmitting, by a transmitting device, a notification to a third party entity, wherein the notification includes at least the specific account identifier; transmitting, by the transmitting device, the generated controlled payment number for distribution to a user associated with the user account related to the specific account profile; receiving, by the receiving device, a data message from the third party entity, wherein the data message includes at least the specific account identifier and identification data associated with the user; and updating, by the processing device, the specific account profile in the account database to include at least the generated controlled payment number, the identification data, and a spending limit, wherein the spending limit is based on the transaction amount and where payment transactions involving the controlled payment number are subject to the spending limit. |
