System and method for biometric fallback authentication

A system for validating user credentials in a payment transaction between a user and a merchant at a point-of-sale system initiated with a portable payment device associated with a biometric verification process, the system comprising at least one processor programmed or configured to:

• activate a Near Field Communication (NFC) device independent of determining a result corresponding to a verification requirement of the biometric verification process, wherein the biometric verification process comprises the user submitting a biometric input;
• after activating the NFC device, automatically establish, via the NFC device, an NFC link between the portable payment device and the point-of-sale system for conducting the payment transaction;
• after establishing the NFC link, determine that the result corresponding to the verification requirement of the biometric verification process comprises a verification success based on the biometric input;
• in response to determining that the result comprises the verification success, determine at least one transaction limitation parameter;
• determine transaction data corresponding to the payment transaction;
• based upon the transaction data, determine whether the at least one transaction limitation parameter has been met;
• in response to determining that the at least one transaction limitation parameter has been met, terminate the biometric verification process;
• and
• after terminating the biometric verification process, process the payment transaction based on the verification success by completing the payment transaction with the point-of-sale system.

A computer program product for validating user credentials in a payment transaction between a user and a merchant at a point-of-sale system initiated with a portable payment device associated with a biometric verification process, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

• activate a Near Field Communication (NFC) device independent of determining a result corresponding to a verification requirement of the biometric verification process, wherein the biometric verification process comprises the user submitting a biometric input;
• after activating the NFC device, automatically establish, via the NFC device, an NFC link between the portable payment device and the point-of-sale system for conducting the payment transaction;
• after establishing the NFC link, determine that the result corresponding to the verification requirement of the biometric verification process comprises a verification success based on the biometric input;
• in response to determining that the result comprises the verification success, determine at least one transaction limitation parameter;
• determine transaction data corresponding to the payment transaction;
• based upon the transaction data, determine whether the at least one transaction limitation parameter has been met;
• in response to determining that the at least one transaction limitation parameter has been met, terminate the biometric verification process;
• and
• after terminating the biometric verification process, process the payment transaction based on the verification success by completing the payment transaction with the point-of-sale system.