Abstract: A method for each of simplifying, protecting and verifying financial transactions comprising the steps of selecting a predetermined electronic device capable of receiving and transmitting data; storing within such device selected certain predetermined financial information unique to an individual; providing at least one of a fingerprint scanner and a photographic image detector; connecting the at least one of such fingerprint scanner and such photographic image identifier provided to the electronic device selected; electronically connecting such electronic device to at least one of a financial banking institution machine and a point of purchase card reading device; and verifying at least one such individual's fingerprint and photographic image prior to completing a transaction.