Biometric token that functions as a universal identifier

A system for identifying a user, the system comprising:

• a processor;
• and
• a memory comprising machine-readable instructions that, when executed by the processor, cause the processor to perform operations comprising:
• creating a token for the user, the token identifying the user and user information of the user, wherein creating the token includes:
• generating a string based on a user biometric by converting a biometric file associated with the user biometric into the string via a biometric conversion algorithm, and
• hashing the string to generate a hashed string that serves as the token;
• sending a notification indicating that a merchant requests the user information of the user;
• sending the token to a user device associated with the user;
• receiving the token from a merchant computing system associated with the merchant;
• receiving a user interaction from the user device indicative of not authorizing transmission of the user information to the merchant computing system;
• in response to receiving the user interaction, preventing the transmission of the user information to the merchant computing system;
• and
• subsequent to preventing the transmission of the user information, receiving an authentication from the user device to provide the user information to the merchant computing system, wherein the authentication includes a biometric of the user.

A non-transitory computer readable media have computer-executable instructions embodied therein that, when executed by at least one processor of a computing system, cause the computing system to perform operations comprising:

• creating a token for a user, the token identifying the user and user information of the user, wherein creating the token includes:
• generating a string based on a user biometric by converting a biometric file associated with the user biometric into the string via a biometric conversion algorithm, and
• hashing the string to generate a hashed string that serves as the token;
• sending a notification indicating that a merchant requests the user information of the user;
• sending the token to a user device associated with the user;
• receiving the token from a merchant computing system associated with the merchant;
• receiving a user interaction from the user device indicative of not authorizing transmission of the user information to the merchant computing system;
• in response to receiving the user interaction, preventing the transmission of the user information to the merchant computing system;
• and
• subsequent to preventing the transmission of the user information, receiving, by the computing system, authentication from the user device for the computing system to provide the user information to the merchant computing system, wherein the authentication includes a biometric of the user.