US Patent 10951609 System to effectively validate the authentication of OTP usage

A biometrically encrypted access policy is provided. A commercial transaction request to access a client-supported institution received from a client device is identified. A database structure associates each of a plurality of client-supported institutions with one or more respective biometric tokens for authentication. A one-time password is associated with the client-supported institution based on biometric tokens. An encrypted code is associated with the client-supported institution based on biometric tokens. A encrypted OTP is transmitted to client device, and instructions to capture a biometric scan data via the client device are generated based on parameters of biometric tokens. A decryption key is generated via the client device, and the decryption key is determined to authenticate the user of the client device, and, in response, the commercial transaction request to access the client-support institution is approved.