| CPC G06F 21/32 (2013.01) [G06V 40/13 (2022.01); G06V 40/1365 (2022.01)] | 20 Claims |
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1. A system for fingerprint-based authentication, the system comprising:
a financial transaction card that includes:
a fingerprint scanner,
a processor, and
memory that stores fingerprint data, an account identifier, and a biometric token, generated from the fingerprint data for a fingerprint, that includes a series of characters indicating a globally unique identifier associated with the fingerprint,
wherein the biometric token is an authentication credential for use in authenticating an exchange of the financial transaction card;
wherein the financial transaction card is configured to:
receive power from a terminal that is in communication with the financial transaction card for performing the exchange;
determine whether scanned fingerprint data, scanned by the financial transaction card, sufficiently matches the stored fingerprint data; and
transmit, to the terminal, the biometric token and the account identifier based on determining that the scanned fingerprint data sufficiently matches the stored fingerprint data; and
a processing system that includes:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive the account identifier and the biometric token from the terminal;
authenticate the exchange between the financial transaction card and the terminal by verifying that the authentication credential is valid for the account identifier;
check, after authenticating the exchange, a status indicating whether the fingerprint-based authentication is enabled or disabled in connection with the account identifier, wherein the status indicates that the fingerprint-based authentication is disabled; and
deny the exchange based on the status indicating that the fingerprint-based authentication is disabled.
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