TOKENIZED CONTACTLESS TRANSACTION ENABLED BY CLOUD BIOMETRIC IDENTIFICATION AND AUTHENTICATION

摘要

Described herein are a system and techniques for conducting transactions upon receiving a biometric sample from a user. In some embodiments, a security device obtains a biometric sample from a user. The security device then provides the biometric sample, or a biometric template derived therefrom, to a service provider, which is able to identify and authenticate the user based on the biometric sample. The service provider then obtains access credential and/or supplemental information for the user and provides it to the security device. The security device is then capable of completing a transaction using the received access credential data. In some embodiments, this may involve generating a cryptogram to be used in the transaction.