An interactive, positive recognition virtual financial account transactor for use in financial transactions includes: an electronic storage site for physical characteristic identification data; an electronic storage site for financial data; a first input device for capturing real time physical characteristic data (2); a second input device for capturing real time physical characteristic data (5); an encoder connected to the first and the second input device (3); a comparator connected to the encoder and to the storage site for physical characteristic data (4); a communications circuit connected to the comparator; a visual display and a manipulator; and a transaction completion unit connected to the storage site for financial data and to the display and manipulator.
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