Abstract: Described is a hand-held device having a biometric reader and optional GPS functionality. The device acts as identification of the user. The device transmits the user's biometric data (e.g., fingerprint) to a central database of biometric information for verification of the user. The transmission may be wireless or via a wired or connected configuration. Upon verification, the central database transmits the verification to a participating business requiring the same to complete an immediate user transaction. If the transaction is a purchase, the central database also transmits bank account or credit card information of the user. The GPS functionality allows a user's location to also be verified for transaction requiring such information (e.g., online gaming).