Abstract: A system and method for efficiently processing check or other non-cash financial instrument-initiated is disclosed. The method includes the steps of accepting a check from a person initiating a non-cash financial transaction at a point of identification terminal. The checking account number is input into the point of identification terminal and is communicated to a remote database site, having stored therein a database of digital photographic images of authorized users of checking accounts. The database is searched and any digital photographic images associated with the transmitted account number are retrieved and transmitted to the point of identification terminal where they are displaying on a display means and a comparison is made between the images and the physical appearance of the person tendering the check.

Abstract: Disclosed is a system and method of providing system integrity and positive audit capabilities to a positive identification system. The use of access authority information units to gain access to the positive identification system solves the problems of open, unsecured and unauditable access to data for use in point of use identification systems and enables the system to be implemented in a mobile embodiment, which would expand system uses to applications using wireless communications links between the point of identification terminal and a remote identification database. In order to secure the rights to the data that is needed to make mass identification systems operate, it must be shown that records will be closed and secure, as well as that there will be an audit trail of access that is made to the data.