A method of authenticating a message that is purportedly sent from an account holder having a device that digitally signs messages using a unique private key includes receiving the message, a unique identifier associated with an account of the account holder maintained by an account authority, and a digital signature of the message, the message including a verification status generated by the device based on a comparison of biometric verification data provided to the device with biometric verification data of the account holder prestored within the device, verifying that the message was digitally signed using the private key, and if the digital signature successfully decrypts, acting upon the message as a function of the verification status included in the message and wherein the biometric verification data is a digital representation of a finger print, a retina scan, a facial scan, DNA, or a voice print of the account holder.