Abstract: A method and system to enable mobile merchants process transaction payments. The system uses a BID card, smart device, merchant device, smart card reader scanner writer, and RFID reader. The BID card or smart device holds a merchant or non-merchant's personal, account, and biometric information. The merchant device contains one or more smart cards slots for inserting the BID cards; wireless and/or wire-line communicating interfaces and channels for plugging in a smart device and communicating with the remote backend host; and fingerprint scanning area for obtaining live fingerprint templates. The smart card reader write is an integrated device for reading from and writing to BID cards, also for obtaining live fingerprint templates. The smart card reader scanner writer is used in a banking institution when merchant or non-merchant needs to load money into his or her pre-paid account; and the RFID reader is used for communication between a smart device and host application on a personal computer.

Abstract: A method, apparatus and system that allows an individual to authenticate his identity by storing his or her biometric profile and other information in a smart device. The smart device is always under the control of the owner during and after enrollment. The smart device holder's identity is authenticated by matching the stored fingerprint template against the live fingerprint of the smart device holder scanned on the smart device. When an enrolled smart device is within the proximity of a system radio frequency identification reader, the associated application via the radio frequency identification reader interacts with the smart device to authenticate the identity of the person holding the device. The smart device can also be attached to a personal computer, without a radio frequency identification reader via a wired interface. The application performs the applicable transaction only when the identity of the smart device holder is successfully authenticated.