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Electronic payment services, namely, identification and transaction services for merchants by means of on-line databases; electronic processing and transmission of payments to merchants; electronic processing and transmission of payments by merchants, electronic processing and transmission of payment to merchants via on-line debit, checking, credit card, and loyalty/reward account payments; electronic processing and transmission of payments by merchants via on-line debit, checking, credit card, and loyalty/reward account payments; providing a biometric authentication and payment system, namely, providing electronic transmission and processing of financial transactions between consumers and merchants by means of biometric based identity verification and transaction authorization, where individual consumers are identified within databases that link an individual consumer's financial accounts with their biometric data; biometric security scanning and processing via a computer network and at the point of sale for the purpose of banking and credit issuance; providing databases to merchants wherein the databases facilitate identification of individual customers by linking checking, credit, debit, or loyalty/reward accounts with biometric data