Pay By Touch (TM) Solutions, founded in 2002 and based in San Francisco, California, is a privately held company provides retailers and shoppers with biometric authentication products and services. The firm's systems, deployed at 11,000 retail locations, support payment, marketing, and loyalty program processing. SmartShop (TM) provides retail customers with personalized promotional offers. Information is accessed through card- or biometric-based kiosks, or with cellular devices, or through e-mail channels. Pay By Touch Solutions' Shopper ID Services captures and manages opt-in customer data. Self-service kiosks are employed in handling enrollment and targeted information delivery processing. Pay By Touch Wallet, which employs fingerprint biometric scanning technology, links consumers to their financial accounts, personal information, and membership accounts. The eCheck biometric system debits consumers' checking accounts. Transactions are processed through the Automated Clearing House (ACH) network. Pay By Touch Solutions' Paycheck Secure (TM) is a check cashing system. The TrueMe (TM) service supports biometric online multifactor authentication processing. The firm's ATM Direct (TM) division provides merchants with online, PIN-based debit payment services. Pay By Touch Solutions holds 30 patents on its technology. The firm has formed partnerships with IBM, Accenture, Discover Financial Services, VeriFone, NCR, MTX, Agilysys, and other companies. Investors include S&H Solutions, BioPay LLC, CardSystems Solutions Incorporated, Capture Resource, 7th Street Software Incorporated, and Convena LLC. Pay By Touch Solutions was formed with the merger of Indivos, formerly Smart Touch, and Solidus Networks.