A payment terminal such as is used for scanning credit cards and debit cards but which is instead / also capable of deep finger scans, NOT limited to superficial finger scans (such as finger prints), for advanced multi-factor purchases with a single financial instrument: the finger. Advanced deep finger scans can detect several factors: finger print, pulse rate, vein structure and bone structure. Thus at the checkout stand, a customer will be presented with an advanced finger scanner which may superficially look like a finger print scanner but which in fact is capable of determining all of the values of the items above. The advanced finger scanner may access various databases and thence the financial settlement (banking) system to cause payment to be processed.
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