Software as a service (SAAS) services featuring software for identity verification, namely, for transmitting encrypted identity confirmations between financial institutions, employers, insurers, telecommunications providers, healthcare providers and other institutions that already know a person or the sponsor of an AI software agent, without the service provider reading the confirmation contents and without maintaining a central identity database; providing online non-downloadable software for routing institutional identity confirmations; identity verification services in the nature of authentication of personal identity and of the sponsor of an AI software agent via institutional confirmation.