Patent ID: 8706634

Claim:
A method comprising: storing, by a payment device in a memory, a biometric rules table, a plurality of biometric information templates, and a plurality of biometric reference templates provided by an issuer financial institution, wherein the biometric rules table comprises a plurality of rules, each of the plurality of biometric information templates specifies a biometric feature, and each of the plurality of biometric reference templates represents a digital representation of a physical feature of a cardholder associated with the payment device; transmitting, by the payment device to a terminal device during a payment transaction, a first biometric information template based on a first biometric rule of the biometric rules table; receiving, by the payment device from the terminal device, a first sample template and information about the payment transaction; determining, by the payment device, that the first sample template matches a first biometric reference template; determining, by the payment device that a verification sequence applies to the payment transaction that requires satisfaction of at least a second biometric rule of the biometric rules table to verify an identity of the cardholder; transmitting, by the payment device to the terminal device, a second biometric information template associated with the second biometric rule; receiving, by the payment device from the terminal device, a second sample template; determining, by the payment device, that the second sample template matches a second biometric reference template; and transmitting, by the payment device to the terminal device, a verification status of the cardholder.