Methods and apparatus for distribution of multi-factor information and validation through a switching network

A server comprising:

• a processing circuit;
• and
• a memory coupled to the processing circuit, the memory having executable instructions stored thereon, which when executed by the processing circuit, cause the processing circuit to:
• process a request from a computing device, the request requiring multi-factor authentication;
• cause a prompt to be displayed to a user, the prompt instructing the user of the computing device to tap a contactless card associated with the user to a near field communication (NFC) reader associated with the computing device;
• receive, from the contactless card via the computing device, encrypted data from the contactless card, the encrypted data including a unique token assigned to the contactless card;
• forward the encrypted data to an authentication server to validate the encrypted data;
• receive an indication from the authentication server that the encrypted data is validated;
• send instructions to the computing device to display a request to the user to provide biometric data;
• receive the biometric data from the computing device and user and forward the biometric data along with the unique token to a domain server for the domain server to validate the biometric data;
• and
• grant the request from the computing device in response to receiving a first indication from the domain server that the biometric data is validated.

A switching network server comprising:

• a processing circuit;
• and
• a memory having executable instructions stored thereon, which when executed cause the processing circuit to:
• receive encrypted data from a contactless card via a computing device in communication with the switching network server, wherein the encrypted data received from the contactless card includes a unique token assigned to the contactless card;
• validate the encrypted data and send an authentication message to a transaction server indicating that the encrypted data received from the contactless card is validated;
• determine, based on the unique token, a domain server from which to retrieve a biometric template corresponding to the unique token;
• send a request to the domain server for the biometric template that corresponds to the unique token and receive the biometric template from the domain server;
• and
• send the biometric template to the transaction server or a biometric reader for the transaction server or the biometric reader to validate biometric data from a user associated with the contactless card and execute a transaction between the contactless card and the transaction server.