Abstract: A method for facilitating biometric security in a transponder-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

Abstract: The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the invention obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals, then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The invention also determines a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills. The invention also monitors a consumer's purchasing activity based upon an established budget.

Abstract: Systems and methods are configured to manage data sets associated with a transaction instrument. For example, a method is provided for facilitating the management of distinct data sets on a transaction instrument that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction instrument, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction instrument, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction instrument in accordance with an owner defined format. The first and second data sets may each be stored as a Block of Binary.

Abstract: The invention facilitates a loyalty system which is associated with pre-determined geographic locations and/or services and goods offered in a specific geographic area. The system is configured with one product platform with a modularized approach to facilitate the development of market specific rewards and communication materials. The loyalty points may be earned within a specific geographic location, then redeemed in one geographic location, a subset of locations or without restrictions. Similarly, the loyalty points may be earned in one geographic location, a subset of locations or without restrictions, then redeemed only in a specific geographic location. The geographic features of the system may be implemented using existing data that is associated with geographic areas such as, for example, zip codes, retailer identification codes, service establishment codes and/or the like.

Abstract: A system for facilitating distribution of incentives from a merchant to a parent includes a financier and a merchant. The financier is in communication with the merchant, and the merchant is in communication with a subsidiary, which is financially related to a parent. The financier is configured to facilitate the receipt, maintenance and provision of incentive information regarding one or more incentives to be provided to the parent, where the incentive is configured to encourage one or more behaviors by said subsidiary. The merchant is configured to receive financial information from the subsidiary, forward the financial information to the financier, receive the incentive information from the financier, and provide one or more incentive to the parent. In various embodiments, the parent may be an employer or a guardian of the subsidiary, the merchant may be an airline, and the incentive may include a discount redeemable for travel services.

Abstract: The present invention discloses a system and methods for biometric security using facial scan biometrics in a transponder-reader system. The biometric security system also includes a facial scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a facial scan sensor. In another embodiment, the system includes a reader configured with a facial scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing facial scan samples to facilitate authorization of transactions.

Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.

Abstract: The present invention discloses a system and methods for biometric security using fingerprint biometrics in a transponder-reader system. The biometric security system also includes a fingerprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a fingerprint sensor. In another embodiment, the system includes a reader configured with a fingerprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing fingerprint samples to facilitate authorization of transactions.

Abstract: The present invention discloses a method for facilitating biometric security in a transponder-reader transaction system by proffering a biometric. The biometric may be proffered to a biometric sensor communicating with the transponder-reader system. Proffering the biometric initiates verification of the biometric sample and facilitates authorization of a transaction.

Abstract: The present invention discloses a system and methods for biometric security using iris scan biometrics in a transponder-reader system. The biometric security system also includes a iris scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a iris scan sensor. In another embodiment, the system includes a reader configured with a iris scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing iris scan samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: The present invention discloses a method for registering biometric information for use in a transponder-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information and transponder information to the transponder-reader system to facilitate associating the biometric sample with the user and transponder information.

Abstract: The present invention discloses a system and methods for biometric security using retinal scan biometrics in a transponder-reader system. The biometric security system also includes a retinal scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a retinal scan sensor. In another embodiment, the system includes a reader configured with a retinal scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing retinal scan samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: The present invention discloses system for registering biometric information for use with a transponder-reader system. The system comprises a biometric sensor for detecting biometric samples. The system also comprises a device for associating the biometric samples with user information as well as transponder information. Finally, the system includes a database for storing the associated biometric samples.

Abstract: The present invention discloses a system and methods for biometric security using signature recognition biometrics in a transponder-reader system. The biometric security system also includes a signature scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a signature scan sensor. In another embodiment, the system includes a reader configured with a signature scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing signature samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using voice recognition biometrics in a transponder-reader system. The biometric security system also includes a voice print sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a voice print sensor. In another embodiment, the system includes a reader configured with a voice print sensor. In yet another embodiment, the present invention discloses methods for proffering and processing voice print samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using keystroke scan biometrics in a transponder-reader system. The biometric security system also includes a keystroke scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a keystroke scan sensor. In another embodiment, the system includes a reader configured with a keystroke scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing keystroke scan samples to facilitate authorization of transactions.

Abstract: A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).