suspicious persons database 112 benefit from more efficient identification of suspicious behavior or suspicious activity following the decision state 408 or the agent intervention state 410 the spd score 112 is re calculated to reflect suspicious behavior or suspicious activity transaction success or transaction failure in a state 414 the spd score may increase if the transaction fails to clear or the spd score may decrease if the transaction proves successful in one aspect once a individual 39 s spd score reaches a pre set threshold of moderate or high suspicion the transaction processing component 108 may record the results of the individual 39 s check cashing transactions in the suspicious persons database 112 including archiving biometric information of the individual and customer service agent intervention may then be required to proceed with the requested financial transaction in other circumstances if the spd score reaches a degree of high suspicion the transaction processing component 108 may decline the transaction and temporarily discontinue the individual 39 s check cashing membership and privileges the spd scoring process will be described in greater detail in fig5 following the spd score re calculation in the state 414 the spd 112 is updated in a state 416 to reflect the re calculated score which may result in positive or negative marks corresponding to the customer 100 for future transactions as previously described reducing an spd.