Abstract: A system and method for a biometric-based identity verification for authorizing a check cashing transaction between a consumer and a merchant using a biometric identification device and at least one consumer biometric identifier scan. Said consumer registers with said system at least one biometric identifier and personal identity-verifying data both used to authenticate the identity of the consumer without the use of a man-made identity token during a check cashing transaction. During said transaction, said consumer enters at least one digital scan of at least one of their registered biometrics and said system authenticates said consumer's identity through comparing said digital scan with at least one digital scan stored in at least one system database. Upon positive identification of said consumer, said transaction is approved.

Abstract: A system and method of assistance procedures that involve a negotiable instrument casher in the negotiable instrument validity determination process. The present invention involves the casher in the determining process by providing a walkthrough and network assistance procedures.

Abstract: A method of providing negotiable instrument cashing merchants the ability to readily customize, store locally or centrally, and update manually or automatically, preferences related to negotiable instrument cashing transactions. The present invention imparts a process by which cashers utilizing a negotiable instrument cashing system can store and update fee and surcharge preferences, share them with affiliated cashers, and apply the preferences to negotiable instrument cashing transactions.

Abstract: A system and method of electronically depositing negotiable instruments. The present invention imparts a process by which a negotiable instrument casher may electronically deposit negotiable instruments into a financial account held with a participating financial institution.