Frank A. Petro Jr. plans to offer the convenience, reliability, and ubiquity of the automated teller machine to millions of Americans who do not rely on banks.

Mr. Petro, president and chief executive officer of Innoventry Corp. of San Francisco, says his company's check-cashing machine -- which identifies customers by facial characteristics, not a card or a personal identification number -- will reshape financial services for the group he calls the "self-banked."

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