Abstract: A computer-implemented method is disclosed. The method includes using a payment network to receive a transmission from a risk-screening module, generate an authentication message based on a prescreened status of the payment network, transmit a communication to the risk-screening module, receive from an acquirer an authorization request for the payment transaction where the authorization request is by the merchant, receive from an acquirer the authentication message, detect the prescreened status of the payment transaction, and associate the authorization request with an indicator of the prescreened status of the payment transaction based on the authentication message. The transmission includes a request for the authentication message for a payment transaction with a merchant associated with the risk-screening module. The payment transaction includes the prescreened status. The communication includes the authentication message.

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

Abstract: A system, method, and computer-readable storage medium configured to facilitate, for example, point-of-sale check approval in real-time. The system converts a demand type payment transaction into a payment card transaction. A cardholder database contains a cardholder record. The cardholder record includes a demand account and payment card information of a cardholder. A network interface receives point-of-service transaction data. A transaction processor correlates the user with the cardholder record, and generates an authorization request message which is sent to an issuer for approval.