An apparatus for enrollment and verification of a user comprising one touch two factor biometric sensors. An enrollment process creates the baseline abstract identity information for the user. Subsequent verification processes capture new abstract identity information to be matched to the baseline on an encrypted server. A first camera takes a first surface image of a portion of a user's finger to capture the pattern of friction ridges and valleys and intersection points. A second camera takes a second subsurface image of a vein map below the surface of the user's finger. These are then fused into a binary format that cannot be reversed to reacquire either the fingerprint or the vein map. The enrollment data and the verification data are then compared to each other in order to determine if they match for authentication of the user.