Abstract: The present invention comprises methods and systems for consummating transactions based on transactional histories in a biometric verification system. More specifically, it only consummates transactions if authorization is received when a flag is set against identification data. Alternatively, it consummates transactions if with rapid approval if sufficient credits have been accumulated for rapid approval whereby authorization from a third party or remote server is not required.

Abstract: The present invention comprises methods and systems for an applicant to enroll in and access a biometric verification system. More specifically, it stores robust identification data comprising primary identification data, secondary identification data, if any, and financial account data, if any, whereby the applicant accesses the system if the system receives unrestricted identification data from the applicant and if a live template generated from a live image of a biometric sample from the applicant corresponds to a master template according to predefined criteria. Alternatively, it stores multiple master templates for each biometric sample for the applicant, whereby the applicant accesses the system if a live template template generated from a live image of a biometric sample from the applicant corresponds to at least one of the multiple master templates according to predefined criteria. In one preferred embodiment, accessing the system comprises consummating a financial transaction.

Abstract: The present invention comprises methods and systems for mitigating distortive effects in biometric samples in a biometric verification system. More specifically, it generates a live template from a live image, and stores the live template as a rolling template, if the live template corresponds to the master template according to predefined criteria. As a result, the system allows the applicant to subsequently access the system if a subsequent live template generated from a subsequent live image of the biometric sample for the applicant corresponds to either the master template or the rolling template according to predefined criteria. Thus, the inventive arrangements accommodate dynamic changes in an applicant's biometric samples.