Minutiae based fingerprint transactions are validated and authenticated over wireless based communications systems, such as over a Bluetooth wireless based communication system. Minutiae points are unique identification points on a fingerprint where a ridge in the fingerprint joins another ridge or a ridge ends. The combination of any three minutiae points forms a triangle, and the method/algorithm of the present invention uses triangles of minutiae points because triangles are proportional regardless of possible differences in scale of two fingerprints being compared. A first method/algorithm uses a minutiae exchange where triplets of minutiae points are exchanged and form triangles for comparison between an original template of minutiae points and a stored template of minutiae points. A second method/algorithm exchanges three linear equations for three pairs of minutiae points that form triangles for comparison between an original template and a stored template.