Temporary debit card system and method

A method for fabricating a temporary debit card, the method comprising:

• receiving, at a remote server and from a computing device for a kiosk associated with a financial institution, first biometric data transmitted via a near-field communication (NFC)-based signal from a mobile computing device associated with a user to the kiosk computing device;
• the first biometric data being at least one of a retinal scan, a fingerprint scan, a facial scan, and a hand scan;
• verifying, at the remote server, the first data;
• transmitting, from the remote server and in response to verification of the first data, a first signal to the kiosk computing device, the first signal causing a debit card fabrication device for the kiosk to produce a temporary debit card including a physical chip that becomes disabled after a predetermined period of time, and cardholder information;
• generating, at the remote server and at a time prior to receiving the first data, second data that includes first data;
• and
• sending, from the remote server, the second data to an app running on the mobile computing device;
• wherein the kiosk further includes a display screen, a keypad, and a sensor panel that is configured to receive the first data via the NFC based signal from the mobile computing device associated with the user, the sensor panel including a passive Radio-Frequency Identification (RFID) tag, that is energized by electromagnetic waves broadcast by the mobile computing device;
• wherein the kiosk receives an input from the user via one or more of the display screen and the keypad, in addition to the first data via the NFC based signal prior to the fabricating device in the kiosk producing the debit card, the input from the user being identifying information used to identify the user in conjunction with the first biometric data.

A system for fabricating a temporary debit card associated with a user, the system comprising a processor and machine-readable media including instructions which, when executed by the processor, cause the processor to:

• receive, at a remote server and from a kiosk computing device for a kiosk associated with a financial institution, a first biometric pattern;
• access, via the remote server and in response to receiving the first biometric pattern, a second biometric pattern known to be associated with the user;
• determine, at the remote server, the first biometric pattern is sufficiently similar to the second biometric pattern so as to be classified as a match;
• and
• transmit, from the remote server and in response to determining there is a match, a first signal to the kiosk computing device, the first signal causing a debit card fabrication device in the kiosk to produce a temporary debit card including a physical chip that becomes disabled after a predetermined period of time, and cardholder information;
• wherein the kiosk further includes a display screen, a keypad, and a sensor panel that is configured to receive the biometric data from the user, the sensor panel including one or more of a retinal scanner and a fingerprint scanner;
• wherein the step of determining that the first biometric pattern is sufficiently similar to the second biometric pattern as to be classified as a match includes processing of the first biometric pattern with a match determination module that is configured to generate a matching score between the first biometric pattern and the second biometric pattern, and the first biometric pattern is considered a match to the second biometric pattern when the score exceeds a minimum predetermined threshold;
• wherein the kiosk receives an input from the user via one or more of the display screen and the keypad, in addition to the biometric data prior to the fabricating device in the kiosk producing the debit card, the input from the user being identifying information used to identify the user in conjunction with the biometric data;
• wherein the temporary debit card is only valid for access to a preselected amount of money.