Smart payment card, and computing systems and methods for configuring smart payment card and processing transactions involving smart payment card

A method carried out by a configurable payment card, the method comprising:

• during configuration of the configurable payment card:
• receiving account data for a given financial account of a given cardholder, wherein the account data comprises a primary account identifier for the given financial account;
• capturing biometric reference data representing a reference biometric input of the given cardholder that is detected via a biometric sensor of the configurable payment card;
• and
• storing the account data and the biometric reference data within a data storage of the configurable payment card, the data storage comprising at least one non-transitory computer-readable medium;
• and
• after the configuration of the configurable payment card:
• capturing biometric input data representing a biometric input that is detected via the biometric sensor;
• verifying that the biometric input data matches the stored biometric reference data;
• and
• in response to the verifying, selecting between the primary account identifier or a limited-use account identifier for use in processing a financial transaction involving the given financial account.

A non-transitory computer-readable medium, wherein the non-transitory computer-readable medium is provisioned with program instructions that, when executed by at least one processor, cause a configurable payment card to perform a set of functions comprising:

• during configuration of the configurable payment card:
• receiving account data for a given financial account of a given cardholder, wherein the account data comprises a primary account identifier for the given financial account;
• capturing biometric reference data representing a reference biometric input of the given cardholder that is detected via a biometric sensor of the configurable payment card;
• and
• storing the account data and the biometric reference data within a data storage of the configurable payment card, the data storage comprising at least one non-transitory computer-readable medium;
• and
• after the configuration of the configurable payment card:
• capturing biometric input data representing a biometric input that is detected via the biometric sensor;
• verifying that the biometric input data matches the stored biometric reference data;
• and
• in response to the verifying, selecting between the primary account identifier or a limited-use account identifier for use in processing a financial transaction involving the given financial account.