Biometric verification process using certification token

1. A method comprising:

receiving, as part of a transaction, by a computing device, a first biometric template of a user and a biometric certification token that is a hash of a second biometric template and is signed by a verification system comprising a blockchain system;

sending, by the computing device to a portable device, the first biometric template, wherein the portable device verifies that the first biometric template matches the second biometric template, the second biometric template being stored on the portable device;

sending, by the computing device to the verification system, the biometric certification token, wherein the verification system verifies that the biometric certification token is stored within the blockchain system; and

allowing, by the computing device, the transaction to proceed based on receiving an indication from the portable device that the first biometric template matches the second biometric template, and receiving an indication from the verification system that the biometric certification token is stored within the blockchain system.

2. The method of claim 1 , wherein the first biometric template is derived from a fingerprint.

3. The method of claim 1 , wherein the computing device is an access device, and the portable device is a mobile phone.

4. The method of claim 1 , wherein the computing device is an access device, and the portable device is a card.

5. The method of claim 1 , wherein the portable device received the biometric certification token from the verification system, prior to the computing device receiving the biometric certification token from the portable device.

6. The method of claim 1 , wherein the computing device comprises a processor, a reader coupled to the processor, the reader configured to read data from the portable device, and a biometric reader coupled to the processor.

7. The method of claim 1 , further comprising:

generating, by the computing device, an authorization request message; and

transmitting, by the computing device, the authorization request message to an authorization computer.

8. A computing device comprising:

a processor; and

a computer readable medium, the computer readable medium comprising code, executable by the processor, to implement a method comprising:

receiving, as part of a transaction a first biometric template of a user and a biometric certification token that is a hash of a second biometric template and is signed by a verification system comprising a blockchain system;

sending, to a portable device, the first biometric template, wherein the portable device verifies that the first biometric template matches the second biometric template, the second biometric template being stored on the portable device;

sending, to the verification system, the biometric certification token, wherein the verification system verifies that the biometric certification token is stored within the blockchain system; and

allowing the transaction to proceed based on receiving an indication from the portable device that the first biometric template matches the second biometric template, and receiving an indication from the verification system that the biometric certification token is stored within the blockchain system.

9. The computing device of claim 8 , further comprising a biometric reader coupled to the processor.

10. The computing device of claim 8 , wherein the computing device is an access device.

11. The computing device of claim 8 , wherein the first biometric template is derived from a facial image.

12. The computing device of claim 8 , wherein the computing device comprises a network interface coupled to the processor.

13. A method comprising:

sending, by a portable device to a computing device, a biometric certification token that is a hash of a first biometric template stored by the portable device and signed by a verification system comprising a blockchain system;

receiving, by the portable device from the computing device, a second biometric template of a user;

verifying, by the portable device that the first biometric template matches the second biometric template; and

sending, by the portable device to the computing device, an indication that the first biometric template matches the second biometric template, wherein the computing device allows a transaction to proceed after the computing device receives the indication and verifies that the biometric certification token is stored on the blockchain system.

14. The method of claim 13 , further comprising:

receiving, from the verification system, the biometric certification token; and

storing the biometric certification token on the portable device.

15. The method of claim 13 , wherein the computing device is an access device.

16. The method of claim 13 , wherein the portable device is a mobile phone device.

17. The method of claim 13 , wherein the first and second biometric templates are derived from one or more of a fingerprint, a facial image, or a voice sample.

18. The method of claim 13 , wherein the verification system signs the hashed first biometric template with a private key.

19. The method of claim 13 , wherein the computing device is configured to transmit authorization request messages and receive authorization response messages.

20. The method of claim 13 , wherein the computing device is configured to provide access to secure data as part of the transaction.