Digital authorization system

A method of authorization with fraud prevention, comprising:

• storing, at a third computer system, a first set of data comprising a portion of a user's identification information;
• storing, at the third computer system, identification information of a first computer system associated with the first set of data;
• receiving, at the third computer system from a second computer system, a second set of data;
• sending, from the third computer system to the second computer system, a first pass code when the first set of data matches the second set of data;
• receiving, at the third computer system, a second pass code from the first computer system identified based on the stored identification information of the first computer system;
• and
• approving, at the third computer system, an action associated with the user when the first pass code matches the second pass code.

A method of authorization with fraud prevention, comprising:

• receiving, at a second computer system from a first computer system, a second set of data;
• sending, from the second computer system to a third computer system, the second set of data;
• receiving, at the second computer system from the third computer system, a first pass code;
• receiving, at the second computer system from the first computer system, a second pass code which the third computer system sends to a user when the second set of data matches a first set of data stored in the third computer system, the first set of data comprising a portion of the user's identification information;
• and
• approving, by the second computer system, an action associated with the user when the first pass code matches the second pass code.