Abstract: A method is provided. The method includes one or more of establishing a card account for a consumer, determining, by a banking server, wage earnings for the consumer, determining an available spending limit equal to a spending limit minus a sum of a purchase balance and a transfer balance, approving one or more purchase transactions for the card account not greater than the available spending limit, selecting, by a-user interface control, the transfer balance including a portion of the available spending limit to transfer to a designated account, transferring the transfer balance to the designated account, crediting, by an employer server, a primary account with the wage earnings on a payday, and in response transferring an amount equal to a portion of the sum of the transfer balance and the purchase balance from the primary account to a secondary account on or after the payday and adjusting the available spending limit.

Abstract: A method is provided. The method includes one or more of establishing a card account for a consumer, determining, by a banking server, wage earnings for the consumer, determining, by the banking server, an available pool spending limit for a pool equal to a pool spending limit minus a sum of a purchase balance and a transfer balance between the pool and a designated account, selecting, by a first user interface control, a portion of the pool to allocate to the card account, allocating the portion of the pool to the card account, approving one or more purchase transactions for the card account not greater than a card account spending limit, and crediting, by an employer server, the primary account with the wage earnings on a payday, and in response transferring an amount equal to a portion of the sum of the transfer balance and the purchase balance from the primary account to a secondary account on or after the payday.

Abstract: A method is provided. The method includes one or more of receiving an application for a card account from a consumer, authorizing the transfer of funds from a primary account to a secondary account, determining an available spending limit for the card account based on total accrued fractional earnings, approving one or more purchase transactions for the card account not greater than the available spending limit, and adjusting the available spending limit based on total accrued fractional earnings, a purchase balance, and the secondary account balance. The primary account stores earnings for the consumer and the secondary account includes a secondary account balance for storing funds to pay a card account statement balance. The primary and secondary accounts include one of separate accounts or a common account. Total accrued fractional earnings include a sum of fractional earnings and fractional earnings include a predetermined fraction of consumer earnings.

Abstract: A method is provided. The method includes one or more of receiving an application for a card account from a consumer, authorizing the transfer of funds from a primary account to a secondary account, determining an available spending limit for the card account based on total accrued fractional earnings, approving one or more purchase transactions for the card account not greater than the available spending limit, and adjusting the available spending limit based on total accrued fractional earnings, a purchase balance, and the secondary account balance. The primary account stores earnings for the consumer and the secondary account includes a secondary account balance for storing funds to pay a card account statement balance. The primary and secondary accounts include one of separate accounts or a common account. Total accrued fractional earnings include a sum of fractional earnings and fractional earnings include a predetermined fraction of consumer earnings.

Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.

Abstract: A system and method of obtaining and storing a signed agreement authorizing the use of a user's biometric data for the purpose of offering legal consent to agreements and transactions with one or more operators. The present invention imparts a process by which merchants and other service providers can access a verifying agreement indicating a user's intent to submit biometric data as a substitute for a written signature and the user's consent to abide by the terms and conditions of any agreements entered into by the submission of biometric data.

Abstract: A method is provided. The method includes one or more of receiving, from a merchant device, information about a purchase transaction by a consumer, calculating, by a credit server, a plurality of payment times comprising an immediate payment time and a later payment time, transmitting, to a client device, the plurality of payment times, selecting a payment time of the plurality of payment times, receiving, by the credit server, the selected payment time, scheduling, by the credit server, processing of the purchase transaction at the selected payment time, and processing the purchase transaction at the selected payment time.

Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.

Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.

Abstract: A system and method of identity verification at a point-of-identification verification (POV) using biometric-based identity recognition and an identity verifying score based upon a presenter's initial identification presentment and their subsequent action in the system. The system also provides tracking and evaluates verifier activity within the system through biometric-based identity recognition and a performance score based upon their actions and the results of their actions within the system. System users register at least one biometric identifier and personal and/or business identity-verifying data. Users present a biometric sample obtained from their person and their system ID number to conduct identification transactions. This data is used to authenticate the user's identity to a percentage of reliability and allows a user with consistently positive ID verifications to establish a higher ID score, strengthening their credibility within the system.

Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.

Abstract: A system and method of obtaining and storing a signed agreement authorizing the use of a user's biometric data for the purpose of offering legal consent to agreements and transactions with one or more operators. The present invention imparts a process by which merchants and other service providers can access a verifying agreement indicating a user's intent to submit biometric data as a substitute for a written signature and the user's consent to abide by the terms and conditions of any agreements entered into by the submission of biometric data.

Abstract: A system and method of identity verification at a point-of-identification verification (POV) using biometric-based identity recognition and an identity verifying score based upon a presenter's initial identification presentment and their subsequent action in the system. The system also provides tracking and evaluates verifier activity within the system through biometric-based identity recognition and a performance score based upon their actions and the results of their actions within the system. System users register at least one biometric identifier and personal and/or business identity-verifying data. Users present a biometric sample obtained from their person and their system ID number to conduct identification transactions. This data is used to authenticate the user's identity to a percentage of reliability and allows a user with consistently positive ID verifications to establish a higher ID score, strengthening their credibility within the system.

Abstract: A system and method of obtaining and storing a signed agreement authorizing the use of a user's biometric data for the purpose of offering legal consent to agreements and transactions with one or more operators. The present invention imparts a process by which merchants and other service providers can access a verifying agreement indicating a user's intent to submit biometric data as a substitute for a written signature and the user's consent to abide by the terms and conditions of any agreements entered into by the submission of biometric data.

Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.

Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.

Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.

Abstract: A system and method of offering a redemption account that allows users to purchase in advance and subsequently redeem products and services from one or more vendors that are affiliated with the system. The present invention imparts a process by which users enrolled in a biometric authorization system can access a redemption account for advance purchased products and services by submitting their biometric data. Information stored in the user record can then be utilized to enable the fulfillment of the advance purchase.

Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.

Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.