Systems and methods for facilitating spending digital currency without owning digital currency

1. A system for facilitating secure biometric spending of digital currency by a user without holding digital currency, comprising:

a first tangible, non-transitory, machine-readable medium storing first instructions that when executed by one or more processors of a user computing device effectuate operations comprising:

obtaining and validating a user code corresponding to a transaction;

in response to obtaining the user code, receiving instructions via a user interface to perform the transaction that requires authentication; and

generating a prompt to ready an authentication device from a low-power state;

a second tangible, non-transitory, machine-readable medium storing second instructions that when executed by one or more processors of an authentication device effectuate operations comprising:

readying a biometric sensor of an authentication device in response to receipt of the prompt from the user computing device;

receiving, using the biometric sensor of the authentication device, a biometric sample;

verifying the received biometric sample as being indicative of a user based on stored biometric information corresponding to the user;

in response to verifying the received biometric sample as being indicative of the user, generating a one-time password based on a current time;

encrypting information related to the transaction based on the one-time password; and

establishing a one-way communication channel to the user computing device to convey information from the authentication device to the user computing device, wherein:

the first instructions that when executed by the one or more processors of the user computing device, further effectuate operations comprising:

receiving, from the authentication device, the encrypted information related to the transaction in response to validation of the user code; and

transmitting, to one or more servers, transaction information by which an amount of digital currency is transmitted to a target.

2. The system of claim 1 , wherein:

the user computing device receives a public address of the target recipient of the amount of digital currency, and wherein:

the system further comprises a third tangible, non-transitory, machine-readable medium storing third instructions that when executed by one or more processors of the one or more servers effectuate operations comprising:

transferring the amount of digital currency to be transmitted to the target by effectuating a transfer in the amount from a digital currency wallet to the public address.

3. The system of claim 2 , wherein the user computing device reads a quick-response (QR) code indicative of the public address of the target recipient.

4. The system of claim 2 , wherein the user computing device receives a near-field-communication (NFC) signal indicative of the public address of the target recipient.

5. The system of claim 1 , wherein the user computing device generates, within a user-interface of the user computing device, a user prompt to swipe-to-authenticate transmitting of the digital currency.

6. The system of claim 1 , wherein, in response to receiving transaction information, the one or more servers effectuate a charge, to an account associated with the user, based on the amount of the digital currency to transmit to the target, wherein the account associated with the user is selected from one of:

a debit card,

a credit card, or

an electronic check.

7. The system of claim 1 , wherein the authentication device is adhered to an external surface associated with the user computing device.

8. The system of claim 1 , wherein:

generating the one-time password comprises generating the one-time password based on a current time where the one-time password differs from prior one-time passwords generated at different times,

encrypting information related to the transaction based on the one-time password comprises encrypting the one-time password and transmitting the encrypted one-time password to the user computing device, and

the user computing device signs transaction information associated with the transaction based on the encrypted one-time password and transmits the encrypted one-time password with the signed transaction information to the one or more servers.

9. A method for facilitating secure biometric spending of digital currency by a user without holding digital currency, the secure biometric spending being performed over a network, the method comprising:

obtaining and validating, by a user computing device, a user code corresponding to a transaction;

in response to obtaining the user code, receiving, by the user computing device, instructions via a user interface to perform the transaction that requires authentication;

generating, by the user computing device, a prompt to ready an authentication device from a low-power state;

readying, by the authentication device, a biometric sensor of the authentication device in response to receipt of the prompt from the user computing device;

receiving, by the biometric sensor of the authentication device, a biometric sample;

verifying, by the authentication device, the received biometric sample as being indicative of a user based on stored biometric information corresponding to the user;

in response to verifying the received biometric sample as being indicative of the user, generating, by the authentication device, a one-time password based on a current time;

encrypting, by the authentication device, information related to the transaction based on the one-time password;

establishing, by the authentication device, a one-way communication channel to the user computing device, wherein the one-way communication channel is configured to convey information from the authentication device to the user computing device;

receiving, by the user computing device, from the authentication device, the encrypted information related to the transaction in response to validation of the user code; and

transmitting, by the user computing device, to one or more servers, transaction information by which an amount of digital currency is transmitted to a target.

10. The method of claim 9 , wherein:

the user computing device receives a public address of the target recipient of the amount of digital currency, and

the one or more servers transfer the amount of digital currency to be transmitted to the target by effectuating a transfer in the amount from a digital currency wallet to the public address.

11. The method of claim 10 , wherein the user computing device reads a quick-response (QR) code indicative of the public address of the target recipient.

12. The method of claim 10 , wherein the user computing device receives a near-field-communication (NFC) signal indicative of the public address of the target recipient.

13. The method of claim 9 , wherein the user computing device generates, within a user-interface of the user computing device, a user prompt to swipe-to-authenticate transmitting of the digital currency.

14. The method of claim 9 , wherein, in response to receiving transaction information, the one or more servers effectuate a charge, to an account associated with the user, based on the amount of the digital currency to transmit to the target, wherein the account associated with the user is selected from one of:

a debit card,

a credit card, or

an electronic check.

15. The method of claim 9 , further comprising possessing and/or managing, by one or more processors of one or more servers, a digital currency wallet from which the amount of digital currency is transmitted to another digital currency wallet associated with the target.

16. The method of claim 9 , wherein the authentication device is adhered to an external surface associated with the user computing device.

17. The method of claim 16 , wherein:

generating a one-time password, in response to verification of the biometric sample as being indicative of the user, comprises generating a transitory password based on a current time where the transitory password differs from at least one prior generated transitory password generated at a different time, based on passage of time,

encrypting information related to the transaction based on the one-time password comprises encrypting the transitory password and transmitting the encrypted transitory password to the user computing device, and

the user computing device signs transaction information associated with the transaction based on the encrypted transitory password and transmits the encrypted transitory password with the signed transaction information to the one or more servers.

18. The method of claim 9 , wherein the authentication device transmits information to the user computing device only in response to verification of the biometric sample as being indicative of the user.

19. The system of claim 1 , wherein the first instructions that when executed by the one or more processors of the user computing device, further effectuate operations comprising:

signing the transaction information associated with the transaction based on an encrypted version of the one-time password; and

transmitting, to the one or more servers, the encrypted one-time password with the signed transaction information.

20. The method of claim 9 , further comprising:

signing, by the user computing device, the transaction information associated with the transaction based on an encrypted version of the one-time password; and

transmitting, by the user computing device, to the one or more servers, the encrypted one-time password with the signed transaction information.