Abstract: The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device.

Abstract: A theft protection device (108, 110) for the detection of unauthorized intrusion or entrance into a protected area (104) is provided, wherein the protected area (104) is surrounded by a physical barrier (102) which has at least one access area (106) and which can be overcome outside the access area (106) by reaching over or surmounting, wherein the device (108, 110) comprises a laser scanner (108) which is arranged and oriented such that its surveillance plane (114) detects reaching over and surmounting of the barrier (102) to then output a theft signal. The device (108, 110) comprises an authorization device (110) of the access area (106) which is configured to activate or deactivate the laser scanner (108) upon authorized passage through the access area (106).

Abstract: A system and method is provided for role-based management of commercial transaction data for a multi-point merchant by storing data identifying a plurality of store locations of the multi-point merchant. The stored data is associated with an account of the multi-point merchant. A transaction record is received from each of a plurality of devices. Each of the devices is associated with a corresponding store location of the multi-point merchant. Each transaction record is stored in a location of the account using the stored data that identifies the plurality of store locations of the multi-point merchant. Multiple pre-determined roles are further associated with each account. Upon receiving a request from an operator of the multi-point merchant to view account information, a particular pre-determined role is identified for that operator. The operator is selectively allowed to access data from one or more of the transaction records based on the pre-determined role.

Abstract: A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.

Abstract: A system and method for assigning controlled access to a securable device may include (i) a kiosk configured to enable a user to rent a securable device from among multiple securable devices and (ii) a lock unit associated with the securable device and being in communication with the kiosk. The lock unit may further be configured to enable the user to access the securable device after being rented by the user via said kiosk. The kiosk may further be configured to enable the user to purchase goods or services in addition to rental of the securable device.

Abstract: Systems and methods are disclosed herein for estimating the risk of criminal activity in a retail setting. Using video data, biometric data for an individual may be obtained. A baseline biometric measurement is taken upon enqueuing of an individual, which may include entry of the individual into the field of view of a camera having a point of sale (POS) in its field of view. A biometric measurement is also taken when the individual is adjacent the POS. According to an analysis of these measurements, an estimate of risk is calculated, such as by comparing the baseline measurement to a POS measurement. Based on this risk assessment, an alert may be generated. The alert may be a graphical indicator displayed on the POS or transmitted to a device operated by a store representative. The risk assessment may also be used to select transactions for auditing in a self-checkout system.

Abstract: A self-service, self-checkout micro-market retail shopping system for disposition and use in a private or public office, factory or other workspace for use by employees, workers and the like. The micro-market may supply snacks, candies, beverages, other food items and various convenience items such as toiletries for use by employees, workers and other during the work day, lunch and break time. The micro-market may also supply work related items such as uniforms and apparel, tools, office supplies, travel accessories and the like. The devices and process also include enhanced vendor administration tools and functionality. The devices and process also include enhanced user ability to use mobile devices and apps, and on-line tools for creating and managing accounts and for purchasing items.

Abstract: Systems and methods for controlling access to resources using spoken Completely Automatic Public Turing Tests To Tell Humans And Computers Apart (CAPTCHA) tests are disclosed. In these systems and methods, entities seeking access to resources are required to produce an input utterance that contains at least some audio. That utterance is compared with voice reference data for human and machine entities, and a determination is made as to whether the entity requesting access is a human or a machine. Access is then permitted or refused based on that determination.

Abstract: A terminal for use in a retail banking system comprises an interface for receiving multiple types of personal authentication elements. An authentication request for a user is associated with one or more of these types of element. The terminal also comprises a security module for providing access to a plurality of different access spaces of the system, each space comprises a different respective function or combination of functions of the system. For each access space, the security module provides a mapping between that access space and a respective one or more of the types of personal authentication element. Based on this mapping, the security module is thus configured to grant the user with access to one of the access spaces on condition of being mapped to the one or more types of personal authentication element associated with the authentication request for the user, and on condition those elements are verified.

Abstract: A method of generating custom reports based on point-of-sale data transferred between multiple remote computing devices and a central computing device includes generating point-of-sale data at multiple remote locations, transferring the point-of-sale data to a central computing device from multiple computing devices at the respective multiple remote locations, defining a custom report format, the custom report format specifying at least two of the multiple remote locations and specifying a date range, the date range and the at least two multiple remote locations being freely selectable by a user, generating a custom report using the custom report format, the custom report being based on point-of-sale data related to the specified remote locations and the specified date range, and communicating the custom report to a human being.

Abstract: A financial transaction system includes a governing host having a database for registering parties wishing to perform a financial transaction and processing the financial transaction. A discrete point-of-sale (POS) terminal interfaces with one party wishing to initiate a financial transaction with another party. The discrete POS terminal has a local transaction process for initial validating and enforcing of business rules governing the transaction with the one party and generating a transaction key confirming that the transaction is authorised on validating the transaction with the governing host. A facilitator device reads the transaction key on being supplied with same by the one party and communicates with the governing host to complete the transaction using a facilitator POS terminal. The discrete POS terminal is located separately and can be accessed and operated independently by the one party offline of any point-of-sale activity involving the facilitator POS terminal and the facilitator device.

Abstract: Providing a request is disclosed. A first distance indication indicating a physical distance between the first mobile device and a reference location is received from a first mobile device. It is determined that the first distance indication meets a threshold criteria relative to a second distance indication of a second mobile device. A request for payment is provided to the first mobile device based at least in on part on the determination that the first distance indication meets the threshold criteria.

Abstract: A system and method of fraud detection is disclosed including identification of a group of employees and bills associated with each employee of the group. For each bill, at least two conditions of the following conditions are determined: whether a complimentary condition has been met, whether a transfer condition has been met, whether a void and promotion condition has been met, whether a gratuity inflation condition has been met, whether a point of sale authorization condition has been met, whether an automatic gratuity condition has been met, and whether a bill reuse condition has been met. A score corresponding to each of the determined conditions is calculated and a total score for each employee is established based on the score for the determined conditions for each of the bills. Each employee of the group is rated based on the employee's total score.

Abstract: A method begins by a processing module receiving a data segment for dispersed storage. The method continues with the processing module encoding the data segment in accordance with an error coding dispersed storage function to produce a plurality of error coded data slices. The method continues with the processing module generating a slice name for an error coded data slice of the plurality of error coded data slices, wherein the slice name includes a dispersed storage routing information section and a data identification section. The method continues with the processing module performing a securing function on at least the data identification section to produce a secure data identification section. The method continues with the processing module replacing, within the slice name, the data identification section with the secure data identification section to produce a secure slice name.

Abstract: Certain aspects of a method and system for communicating location of a mobile device for hands-free payment may include a peer-to-peer ad-hoc network that comprises a plurality of mobile devices, a plurality of access points, and a plurality of point of sale (POS) devices. A first mobile device may determine its location coordinates and communicate them to a selected POS device via the peer to peer ad-hoc network. At least one of the plurality of mobile devices and/or the plurality of access points may be within a defined proximity of the selected POS device. In some instances, the first POS device may receive via one or more intermediate mobile devices in the peer-to-peer ad-hoc network, location coordinates and payment transaction information of a selected mobile device. At least one of the intermediate mobile devices may be within a defined proximity of the first POS device.

Abstract: A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.

Abstract: Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first mobile device may determine its location coordinates and communicate them to a selected point of sale device. An authorization to execute a payment transaction may be triggered on the first mobile device when it is within a defined proximity of the selected point of sale device. In another embodiment of the invention, a first point of sale device may determine the location coordinates of a selected mobile device and trigger a notification based on a generated geo-fence when the selected mobile device is within a defined proximity of the first point of sale device.

Abstract: Processes are disclosed to facilitate the verification and registration of users of a payment service. One process includes receiving an intent to register message from a user via an SMS message sent from a user mobile device. The process also includes sending a query message to the user mobile device. The query message includes a request for a government identification number from the user. The process also includes verifying the government identification number against a collection of data entries provided by a third party. The process also includes sending a temporary validation code to the user mobile device. The process also includes receiving an updated PIN from a known POS terminal. The known POS terminal was previously registered with the payment service. The updated PIN replaces the temporary validation code. The process also includes sending a registration confirmation to the user mobile device. Other related processes are also disclosed herein.

Abstract: A computer implemented system and method are provided for password pre-verification on the client side in client-server applications. An example system comprises a translation module configured to translate user input, in the form of a character string that can represent a password, to obtain a symbolic representation of the user input. The example system also comprises an output module configured to receive the symbolic representation from the translation module and, based on the user input, provide output to the user in the form of visual, audio or haptic cues. Such cues can alert a user as to whether or not the input character string is correctly entered. In a further example embodiment, a system can further comprise a comparison module configured to compare an existing symbolic representation with the symbolic representation generated from the user input by the translation module.

Abstract: A computer implemented method and system for verifying tax liability and tax deductions reported by taxable entities. A tax monitoring platform comprising a database management system dynamically generates one or more tax forms specific to each taxable entity based on characteristic information of the taxable entities. The tax monitoring platform acquires tax information filled into the tax forms by the taxable entities via a user interface, extracts tax elements from the tax information, and transforms the tax elements to conform to a predetermined template. The tax monitoring platform determines an association between a first taxable entity and a second taxable entity based on the tax elements of each of the taxable entities, and compares the tax elements of the first taxable entity with the tax elements of the second taxable entity based on the association using the database management system, for determining the accuracy of reporting of tax information.

Abstract: A system and method to authenticate products. The method includes storing identity data corresponding to products to be sold into a database, accessing the database at a point-of-sale of a product, and determining the authenticity of the product at the point-of-sale by comparing the product's identity data with the identity data stored in the database.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method of making a payment in which payment data is received by a user's terminal from a point-of-sale terminal, a secret of a payment application is received by the terminal from the operator's server system, a trust card is activated in the user's terminal by utilizing said secret of the payment application, and data of the trust card is transmitted from the user's terminal to the point-of-sale terminal for making the payment transaction. A trust card is created in the server system, data of the trust card is transmitted to the terminal to be used for making the payment transaction, the secret of the payment application is formed in the server system, and access to the secret of the payment application is provided to the terminal for activating the trust card for making the payment transaction.

Abstract: Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting with a customer at a transaction terminal. The method also includes determining a biometric characteristic of the customer based on the interaction with the customer. Further, the method may include adjusting a security level of a transaction system based on the biometric characteristic.

Abstract: A self-service tanning system and method allows salon owners to offer tanning customization in order to meet the personal needs of various customers and to meet the various FDA regulations associated with each state. The present invention allows salon owners to customize each tanning customer session to prevent over exposure for new patrons, while allowing patrons who are already tanning to tan at a more progressive rate. In addition to tanning customization, the present invention offers built-in safety features, payment options, and networkability.

Abstract: Systems and methods for providing payment vehicle recommendations are provided herein. In the systems and methods, a transaction associated with one of a transaction amount and purchase items is identified based on the transaction data; one or more payment rules associated with the transaction are identified; the terms of the one or more payment rules are compared with the transaction amount or purchase items; the most favorable payment vehicle for the transaction is determined based on the comparison of the terms of the one or more payment rules and the transaction amount or purchase items; and a recommendation of at least one payment vehicle is provided based on the determination of the most favorable payment vehicle on a display of a mobile device of a user.

Abstract: In view of the foregoing, an embodiment herein discloses a system and method for facilitating cardless financial transaction in which the face of the user can itself be used as the credit card for financial transaction at the point of sale (POS) or online financial transaction. The method includes capturing a user's face using a 3-D facial recognition system, converting the facial image into digital data and converting the digital data is converted into the numeric template for that user's face and stored in the separate block within the server's database. One aspect discloses a method in which the multiple bank accounts can be managed as single accounts and at the time of cardless financial transaction user may choose which bank account to use which is differentiated by the three digit alphanumeric code assigned for each bank account.

Abstract: A secure online banking transaction apparatus to communicate with a server over a non-secure connection is provided and includes a selector configured to allow for a selection of a mode of the apparatus, a processing unit coupled to the selector and including a secure communication unit, which is configured to set up a secure connection, along which a secure transaction occurs, with the server via the non-secure connection in accordance with the mode, an input unit coupled to the processing unit and configured to allow for a input of data into the apparatus, which is at least partly related to the secure transaction, and an interface coupled to the processing unit and configured to convey at least a status of the secure transaction and the contents off the inputted data.

Abstract: A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.

Abstract: Systems and methods are disclosed herein for estimating the risk of criminal activity in a retail setting. Using video data, biometric data for an individual may be obtained. A baseline biometric measurement is taken upon enqueuing of an individual, which may include entry of the individual into the field of view of a camera having a point of sale (POS) in its field of view. A biometric measurement is also taken when the individual is adjacent the POS. According to an analysis of these measurements, an estimate of risk is calculated, such as by comparing the baseline measurement to a POS measurement. Based on this risk assessment, an alert may be generated. The alert may be a graphical indicator displayed on the POS or transmitted to a device operated by a store representative. The risk assessment may also be used to select transactions for auditing in a self-checkout system.

Abstract: A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment.

Abstract: The present disclosure provides a compact portable point of sale (POS) device. The POS device is capable of being folded for easy transportation of the POS device by a user. The POS device includes a box unit having a cash register with a plurality of compartments, some of which are adapted to store currency notes and coins. Further, the POS device includes a pivotable tray hinged to the box unit for covering the cash register. The tray is adapted to receive a keyboard thereon. Furthermore, the POS device includes a tablet type computing device capable of being detachably attached to the box unit. The tablet has a display screen and is connected to the keyboard. After use of the POS device, the user is capable of folding the pivotable tray and the tablet for making the POS device portable in nature.

Abstract: In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer interface computer and encrypted. The encrypted data is transmitted wirelessly to a portal computer via a private wireless network, and then transmitted to a processing computer system for approval of the application.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.

Abstract: Systems, methods and articles for automating the process of registering a product purchased by a consumer from a merchant in a purchase transaction. Product data including product identification data is obtained from a merchant electronic point of sale system as the consumer checks out. The product data is then automatically transmitted to a product registration system, such as via a consumer's mobile communication device having a product registration app. An auto-registration database is accessed to see if auto-registration is available for the product. If auto-registration is available for the product, then a request is made to the consumer to authorize auto-registration for the product. If the consumer accepts the auto-registration, then consumer data, such as the consumer name and contact information, is sent to the product registration system. The product registration system then creates a product registration record using the product data and the consumer data.

Abstract: A system for facilitating a financial transaction between a prospective transactor and a transactee has an identity and account verifying facility for verifying the identity of the prospective transactor and an account that the prospective transactor has with a financial institution, the identity and account verifying facility being operated by an independent verifier. The identity and account verifying facility includes a storage means for storing an identifier of the prospective transactor and details of at least one account held by the transactor at the financial institution. An identifier input means is provided whereby the transactor enters his identifier when he subscribes to the service.

Abstract: The invention relates to an assembly for handling transactions between a merchant and a consumer, comprising: —a cash register for generating and sending invoice data representative of the one or more products and/or one or more services relating to a transaction; —at least one payment terminal for generating and sending an electronic transaction order; —a payment system for electronic transfer of the transaction amount from the bank account of the consumer to the bank account of the merchant; —a transaction order processor for electronic clearing and settlement of the transaction amount associated with the transaction order, —a payment management system adapted to receive the invoice data and the electronic transaction order and to store at least a part thereof on a storage medium, wherein the payment management system is further adapted to control a transaction order processor in order to perform the transaction on the payment system.

Abstract: Systems and methods are disclosed herein for characterizing the effectiveness of an advertisement displayed at a point of sale (POS). A transaction reported by a POS may identify a consumer and a transaction time as well of details such as a product purchased. The transaction time may be compared to an advertising schedule to identify an advertisement displayed adjacent the POS at the time of purchase. Transactions subsequent to identified advertisements may be analyzed to identify any increase in purchasing activity for an advertised product. Increases in purchasing activity and impressions identified in this manner for the general population or demographic groups may be aggregated to characterize an advertisement's effectiveness. Video data or transaction frequency data may be used to estimate an in-queue time for a customer in order to identify advertisement impressions.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Abstract: Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilizing a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.

Abstract: The present disclosure is directed to consumer operated kiosks for purchasing items online and associated systems and methods. In one embodiment, for example, a method of making purchases online can include receiving funds (e.g., bills and/or coins) from a user at a consumer operated kiosk, and receiving online order information at the consumer operated kiosk. The online order information can be associated with a user account stored on a remote database and can include a cost of an online order from a third party merchant. The method can further include initiating transfer of at least a portion of the received funds to the third party merchant to pay for the online order.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method including sending a device ID and financial information associated with a user of a device to a transaction device in response to receiving a transaction request from the transaction device, configuring an image capture device to capture an image of the user and send the image of the user to the transaction device, and configuring the transaction device to authenticate the financial information with the image of the user.

Abstract: A system that authorizes a financial transaction is presented. During operation, the system receives a request to authorize accounts associated with one or more financial instruments to be used to fulfill the financial transaction. Next, the system determines a transaction location at which the financial transaction is being performed. The system then determines whether the accounts are authorized to be used at the transaction location. If so, the system authorizes the accounts to be used to fulfill the financial transaction.

Abstract: A method is disclosed identifying a customer during a point-of-sale transaction. Within the method, a computer system may associate or link a first character string to a computing device possessed by a customer. Subsequently, the computer system may initiate a point-of-sale transaction with the customer at a point-of-sale system. In the transaction, the computer system may receive payment data from the customer and first location data from the computing device. From the payment data, the computer system may obtain a second character string. Accordingly, the computer system may identify a match between the first character string and the second character string and between the first location data and second location data corresponding to the point-of-sale system. Thus, the computer system may determine that the computing device is a proper recipient of an electronic receipt documenting the transaction and send the electronic receipt to the computing device.

Abstract: A system and method for performing authentication are disclosed. The system may include a shared central processing server, a plurality of software components each residing in a corresponding point-of-sale (POS) workstation and an identity provider service. The server may reside at a merchant location and communicate with multiple POS workstations at the merchant location. The server may be configured to receive biometric information from each POS workstation. Each software component may communicate with a biometric sensor in communication with the corresponding POS workstation to receive biometric information. The identity provider service may be configured to communicate with the server, store registered biometric information and compare biometric information received from the server with one or more of the stored registered biometric information.

Abstract: Systems, methods and computer program products for enabling a holder of a transaction account linked to a financial transaction instrument to delegate management of the transaction account to an assistant. Information relating to the transaction account, including at least identification information relating to the holder of the transaction account, is stored in a database. The database stores financial transaction data relating to financial transactions performed using the financial transaction instrument. A designation of at least one assistant to manage the transaction account on behalf of the holder is accepted and stored. Assistant management authentication data associated with the transaction account is established, to be used by the assistant to execute management instructions at a designated level of management access. An instruction from the assistant is accepted to access transaction data associated with the transaction account.