Fingerprint-based credential entry

A financial transaction card for fingerprint-based authentication, the financial transaction card comprising:

• a fingerprint scanner;
• one or more memories that store fingerprint data and a biometric token, generated from the fingerprint data, that includes a series of characters indicating a globally unique identifier associated with a fingerprint,
• wherein the biometric token is an authentication credential for use in authenticating an exchange between the financial transaction card and a terminal that is in communication with the financial transaction card;
• and
• one or more processors, communicatively coupled to the one or more memories, configured to:
• receive power from the terminal;
• determine whether scanned fingerprint data, scanned by the financial transaction card, sufficiently matches the stored fingerprint data;
• transmit the biometric token to the terminal based on determining that the scanned fingerprint data sufficiently matches the stored fingerprint data;
• authenticate the exchange by verifying that the authentication credential is valid for an 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.

A method of authentication, comprising:

• receiving, by a system and from a terminal, an account identifier and a biometric token based on an interaction between the terminal and a financial transaction card that stores the account identifier and the biometric token,
• wherein the biometric token is generated from fingerprint data for a fingerprint and includes a series of characters indicating a globally unique identifier associated with the fingerprint, and
• wherein the biometric token is an authentication credential that is communicated from the financial transaction card to the terminal in connection with an exchange;
• authenticating, by the system, the exchange using the account identifier and the biometric token;
• check, after authenticating the exchange, a status indicating whether fingerprint-based authentication is enabled or disabled in connection with the account identifier, wherein the status indicates that the fingerprint-based authentication is disabled;
• identifying, by the system and after authenticating the exchange, a user associated with the biometric token based on an account profile associated with the account identifier, wherein the account profile stores:
• one or more primary authentication credentials corresponding to one or more primary users associated with the account identifier, and
• one or more secondary authentication credentials corresponding to one or more secondary users associated with the account identifier;
• determining, by the system, that the user is a secondary user of the one or more secondary users;
• determining, by the system, a user-specified condition associated with the secondary user, wherein the user-specified condition is specified by a primary user of the one or more primary users;
• determining, by the system, whether the user-specified condition is satisfied;
• and
• transmitting, by the system, a deny notification for the exchange to the terminal based on whether the user-specified condition is satisfied and based on the status indicating that the fingerprint-based authentication is disabled.