The fingerprint should be stored in the TPM. The payment features have been possible for a long time although not built into Windows so you would have had to use third party software to manage that. This is what Windows Hello is supposed to unify however I cannot remember if Microsoft has actually deployed these features yet, I know they have talked about them. The hard part is getting everything to support a single way of managing secure payment. Obviously with Apple Pay this gives you that single platform however I wonder if Microsoft would fall foul of the law if they only support bio-metric payment with an MS Account?