Patent ID: 7886157

Claim:
A transponder-reader transaction system comprising: a reader configured to communicate with a transponder; a hand geometry scan sensor configured to detect proffered hand geometry scan sample data, said hand geometry scan sensor configured to communicate with said transaction system, wherein said proffered hand geometry scan sample data is configured to be verified to facilitate a transaction; and wherein said transaction system is configured to determine whether a transaction exceeds a preloaded value defined by a preloaded value data file associated with said transponder, determine whether said transaction exceeds a combination of said preloaded value and a reload value defined by a reload protocol data file associated with said transponder, notify a user to proffer said proffered hand geometry scan sample data to authorize use of said combination of said preloaded value and said reload value to complete said transaction, and authorize said transaction to proceed by applying said preloaded value from a first funding source associated with said transponder and applying a portion of said reload value from one of said first funding source and a second funding source according to said reload protocol data file.