First of all, one-to-one matching entails matching the live fingerprint to one specified template. Technically, if the template is in the smart card, the template belongs to the cardholder. If the template is in a PC, a few different templates can be compared to the live fingerprint through successive one-to-one matching.
The algorithm of the AET62 and AET62 is one-to-one.
One-to-many algorithm is typically used by law enforcement parties for criminal and forensic applications, which require sophisticated computers to match a fingerprint against a huge database.