Patent ID: 7698567

Claim:
A tokenless electronic scrip transaction authorization device, said device comprising: at least one electronic scrip supporter registration biometric sample received from a scrip supporter; an electronic identicator for comparing a bid biometric sample from said scrip supporter with the at least one scrip supporter registration biometric sample to produce a successful or failed identification result; an electronic scrip donator account to be debited as a result of a scrip transaction conducted by said scrip supporter with a merchant; an electronic scrip beneficiary account to be credited as a result of said scrip transaction, said electronic scrip beneficiary account owned by an electronic scrip beneficiary different from both said scrip supporter and said merchant, said electronic scrip beneficiary being a charitable or non-profit organization; and an electronic clearinghouse that contains at least one rule module, said at least one rule module including at least one pattern data that is associated with at least one execution command, said execution command including instructions for accessing at least one electronic registry that contains any one of the following: at least one electronic scrip donator account and at least one electronic scrip beneficiary account; wherein upon successful identification of said scrip supporter, said scrip transaction is authorized and a value is debited from said electronic scrip donator account and credited to said electronic scrip beneficiary account without said scrip supporter presenting any smartcards or magnetic swipe cards.