Patent 11444773 was granted and assigned to Wells Fargo on September, 2022 by the United States Patent and Trademark Office.
Systems and methods provide for secure and efficient token generation, management, transfer, and authentication services in a biometric data environment. Various embodiments relate to a method performed by a processor of an authentication computing system. An example method includes receiving an update biometric reference sample and a user identifier, retrieving a previous biometric reference template record in a storage location based on the user identifier. The previous biometric reference template record includes a template record identifier uniquely identifying the previous biometric reference template record and a previous biometric reference template generated using a previous biometric reference sample. The method further includes comparing the update biometric reference sample to the previous biometric reference template and, if a biometric data type of the update biometric reference sample is different than that of the previous biometric reference template, generating an update biometric reference template.