Abstract: Systems, methods, and databases for authenticating negotiable instruments comprise receiving, at an authentication system, a plurality of data values associated with a negotiable instrument, the plurality of data values including an image security feature and an account. The method further comprises obtaining account decoding information from an account verification databases, the account verification database including decoding information for each of a plurality of financial institutions; decoding the image security feature using the account decoding information; obtaining one or more verification values from the decoded image security feature; comparing each of the verification values to a corresponding one of the data values; and transmitting a result communication indicating a result of the comparison.

Abstract: Fraud risk is monitored in financial transactions. Biometric information is received over the communications interface configured to exchange data with multiple distinct financial institutions. The received biometric information is compared with a database of biometric information to identify an individual. A fraud-detection analysis is performed on the financial transaction information associated with the individual. The financial transaction information associated with the individual is identified as suspicious in accordance with a result of the fraud-detection analysis. The biometric parameters associated with the individual are designated as associated with suspicious financial activity.