With the emergence of the Internet-of-Things (IoT), there is a growing need for access control and data protection on low-power, pervasive devices. Biometric-based authentication is promising for IoT due to its convenient nature and lower susceptibility to attacks. However, the costs associated with biometric processing and template protection are nontrivial for smart cards, key fobs, and so forth. In this paper, we discuss the security, cost, and utility of biometric systems and develop two major frameworks for i…