A payment card device associated with a payment account, the payment card device comprising: a fingerprint sensor; and a security chip coupled to the fingerprint sensor, the security chip including a payment application and a verification application stored in the security chip; wherein the security chip is configured to: receive a select command from a terminal, the select command specifying the payment application; based on the select command, launch the payment application; and invoke, as part of the payment application, the verification application; wherein the security chip is further configured, by the verification application, to: initiate a timer; capture a fingerprint image, at the fingerprint sensor, when the timer is unexpired; validate the captured fingerprint image against reference fingerprint data stored in the payment card device; when the timer expires, without a match to the reference fingerprint data, return a first application file locator, AFL, to the terminal in response to the select command from the terminal; and when a match between the captured fingerprint image and the reference fingerprint data is found, while the timer is unexpired, return a second AFL to the terminal in response to the select command from the terminal. a fingerprint sensor; and a security chip coupled to the fingerprint sensor, the security chip including a payment application and a verification application stored in the security chip; wherein the security chip is configured to: receive a select command from a terminal, the select command specifying the payment application; based on the select command, launch the payment application; and invoke, as part of the payment application, the verification application; receive a select command from a terminal, the select command specifying the payment application; based on the select command, launch the payment application; and invoke, as part of the payment application, the verification application; wherein the security chip is further configured, by the verification application, to: initiate a timer; capture a fingerprint image, at the fingerprint sensor, when the timer is unexpired; validate the captured fingerprint image against reference fingerprint data stored in the payment card device; when the timer expires, without a match to the reference fingerprint data, return a first application file locator, AFL, to the terminal in response to the select command from the terminal; and when a match between the captured fingerprint image and the reference fingerprint data is found, while the timer is unexpired, return a second AFL to the terminal in response to the select command from the terminal. initiate a timer; capture a fingerprint image, at the fingerprint sensor, when the timer is unexpired; validate the captured fingerprint image against reference fingerprint data stored in the payment card device; when the timer expires, without a match to the reference fingerprint data, return a first application file locator, AFL, to the terminal in response to the select command from the terminal; and when a match between the captured fingerprint image and the reference fingerprint data is found, while the timer is unexpired, return a second AFL to the terminal in response to the select command from the terminal.