The first option is the Withdraw2Card service that does not require any sender identity verification.

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"Travelers may be referred for further inspection for a variety of reasons to include identity verification, intent of travel, and confirmation of admissibility, " it said.

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Stratus could be used at border crossings, during disaster relief operations (when regular infrastructure for identity verification isn't present), for remote mobile banking or even remote healthcare.

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The only way forward is real identity verification: to allow our movements and metrics to be tracked in all sorts of ways and to have those movements and metrics tied to our actual identity.

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The company points out that customers can't bank with the card or use it outside the U.S. But other stored-value cards, often branded by Visa or MasterCard, can be accessed for cash via atms worldwide and reloaded with cash online or at checkout counters without a bank account or face-to-face identity verification.

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The trouble is, it is not clear that these identity-verification systems are worth the cost and trouble of introducing them.

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For example, the company last summer inquired with identity-verification providers about how to get verifiable consent from parents of children who want to use Facebook, the people said.

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Sharing data across agencies can help achieve these goals, for example, by allowing up-front verification of identity, location, and income when appropriate for benefits programs.

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