Abstract: A system for identity-based authorization of a user to access an account is disclosed. In a preferred embodiment of the invention, the system employs a token comprising a token body. A medium carrying at least one characteristic descriptive of the account is carried by the token body. A transmissive member carrying a biometric in analog format occupies a cutaway region of the token body. The system further employs a token receiver adapted to receive the token. A light source is disposed on a first side of the receiver. An image capturing apparatus is positioned to receive light emitted by the light source. A first processor is in communication with the image capturing apparatus. A biometric sampler is in communication with the first processor. In operation, the system comprises creating at least one first indicator describing at least one portion of the analog biometric associated with the token. At least one second indicator describing at least one portion of a bid biometric of the user is further created.