Abstract: Methods for pre-registering a participant in a program database using a participant smart card and biometric data in a verification process to manage fraud and enhance security and privacy protection are disclosed. The methods include pre-registering, or alternatively registering, individual information including biometric data in the program database, forming a secured registered account for the participant, and assigning the participant smart card to the participant with the secured registered account. The methods continue by determining risk factors for the participant, assigning at least one program with program risk factors to the participant, authenticating identity of the participant at a program access point, receiving eligibility verification or denial of the participant to access and use assigned programs, and updating the database data for exit verification.