Abstract: A system and method for providing a flexible credit facility that can delay the processing of financial transactions, including biometrically-initiated financial transactions, is disclosed. Delays in payment processing are determined by considering various factors that can depend on the merchant, the consumer, or the transaction itself. In one embodiment, after a financial transaction has been delayed for a determined period of time, it is then submitted to a financial network such as the Automated Clearing House (ACH) network.

Abstract: A system and method of allowing individuals to categorize transaction information. A user of the system may establish transaction identifiers that may be employed during or subsequent to a transaction in order to categorize transaction information.

Abstract: A method of providing negotiable instrument cashing merchants the ability to readily customize, store locally or centrally, and update manually or automatically, preferences related to negotiable instrument cashing transactions. The present invention imparts a process by which cashers utilizing a negotiable instrument cashing system can store and update fee and surcharge preferences, share them with affiliated cashers, and apply the preferences to negotiable instrument cashing transactions.

Abstract: A system and method of employing user information during a biometric authorization. A user's biometric system records and biometric third party records are monitored for negative, positive, and neutral data in order to maintain user record accuracy and to prevent fraudulent behavior.

Abstract: A system and method of improving biometric information registered in a biometric authorization system is disclosed. System user biometric information entered into the system is upgraded at subsequent biometric authorizations at numerous biometric input devices.

Abstract: A system and method of conducting parking transactions in a convenient manner is described. Users of the system can employ their biometric data or a preexisting token to conduct transactions at a parking facility.

Abstract: The present invention is a system and method of conducting refund transactions via electronic transaction records. System user transaction information entered into the system is stored in association with user biometric information. Transaction information is retrieved via user biometric recognition/verification for conducting refund transactions.

Abstract: A system and method of electronically depositing negotiable instruments. The present invention imparts a process by which a negotiable instrument casher may electronically deposit negotiable instruments into a financial account held with a participating financial institution.

Abstract: A system and method of offering a redemption account that allows users to purchase in advance and subsequently redeem products and services from one or more vendors that are affiliated with the system. The present invention imparts a process by which users enrolled in a biometric authorization system can access a redemption account for advance purchased products and services by submitting their biometric data. Information stored in the user record can then be utilized to enable the fulfillment of the advance purchase.

Abstract: A system and method of providing users with an accessible system and convenient method for conducting purchase benefit transactions. When enrolling in a biometric authorization system, a user may authorize the system to apply for purchase benefits on the user's behalf at subsequent transactions.

Abstract: A system and method of encouraging negotiable instrument cashing customers to establish accounts at financial institutions. The present invention imparts a process by which financial institutions may entice customers to open financial accounts by providing an incentive.

Abstract: A system and method of offering a redemption account that allows users to purchase in advance and subsequently redeem products and services from one or more vendors that are affiliated with the system. The present invention imparts a process by which users enrolled in a biometric authorization system can access a redemption account for advance purchased products and services by submitting their biometric data. Information stored in the user record can then be utilized to enable the fulfillment of the advance purchase.

Abstract: A system and method of allowing individuals to categorize transaction information. A user of the system may establish transaction identifiers that may be employed during or subsequent to a transaction in order to categorize transaction information.

Abstract: A system and method of providing users with an accessible system and convenient method for conducting purchase benefit transactions. When enrolling in a biometric authorization system, a user may authorize the system to apply for purchase benefits on the user's behalf at subsequent transactions.

Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.

Abstract: A system and method of allowing individuals to categorize transaction information. A user of the system may establish transaction identifiers that may be employed during or subsequent to a transaction in order to categorize transaction information.

Abstract: A system and method of providing an incentive to encourage those offering a biometric authorization system to promote its use. A biometric authorization system operator receives a reward, such as a dividend, when an individual he enrolled conducts a transaction via the biometric authorization system.

Abstract: The present invention is a system and method for activating financial cards via biometric authentication of an individual presenting the card for activation. Information from the financial card presented for activation is entered into the system and is stored in association with the card presenter's biometric information. Financial card activation is enabled via the biometric system sending the entered financial card information and an authorization of the identity of the card presenter to the card provider for card activation.

Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.

Abstract: A system and method of providing employers with an accessible system and convenient method for tracking the work of mobile workers. By obtaining customer biometric data upon the initiation and conclusion of a work session, an employer may ensure that a customer is billed for an appropriate amount of time.