1. A method for authentication using biometrics, the method comprising: providing a reference template with a reference set of biometric data associated with an individual; receiving an authentication request associated with a user; generating a copy of the reference template; modifying the copy of the reference template with modification data to generate a challenge template; transmitting the challenge template; receiving a response vector based at least-in part on the challenge template and a candidate set of biometric data; and authenticating the user as the individual associated with the reference set of biometric data based at least in part on the response vector and the modification data.