Abstract: An optical or digital code processing solution that identifies users and generates customized or programmable response actions based upon variables, profiles, histories, business models, and other criteria. An interactive solution that adds value to existing multi-dimensional optical and digital codes by creating targeted and customized responses. An interactive solution that enables a code capture to commence a chain of programmed responses involving single or multiple users. A code solution that integrates code readers and code generators onto a platform that can be dynamically programmed and updated to generate user specific and input specific responses. A solution that captures user information for tracking, marketing, and data base creation. A solution that integrates codes and responses with payment and financial processing functions.

Abstract: A platform that accommodates financial transactions and is accessible via mobile phone networks, Internet and traditional methods is linked to user defined credit and security matrixes. Credit risk tolerance factors consider the qualifications, characteristics, and profile of counterparties. Security risk tolerance factors consider the user's willingness to use a particular financial platform in an environment where abuse, fraud, theft, and other security factors are of concern. In both cases the user creates matrixes that describe risk tolerance and financial transactions must successfully pass through the filters designed by the user. The system can be used alone or linked to bank accounts, credit and debit accounts, etc. This provides a higher level of security and risk control in a mobile or Web-based environment. By giving customers way to control risk, use of new electronic methods of payment and other financial transactions can be accommodated in a more comfortable, secure, and efficient manner.