Systems and methods for performing payment card transactions using a wearable computing device

A user portable computing device associated with an authorized cardholder and configured for authenticating a suspect consumer as the authorized cardholder during a payment card transaction, said user portable computing device comprising:

• a memory;
• a communication interface configured to communicate wirelessly with a point-of-sale (POS) device;
• and
• a processor communicatively coupled to said memory and said communication interface, said processor programmed to:
• capture, using an application installed on said user portable computing device, a first reference sample of the authorized cardholder;
• store, in said memory of said user portable computing device, the first reference sample and associated payment card information;
• receive a wireless signal from the point-of-sale (POS) device during the payment card transaction;
• activate, in response to the received wireless signal, the application, wherein the activated application prompts the suspect consumer to capture a first transaction sample of the suspect consumer;
• capture, using the application, the first transaction sample of the suspect consumer;
• compare the first transaction sample to the first reference sample stored in said memory;
• and
• transmit the associated payment card information to the POS device in response to the first transaction sample matching the first reference sample.

At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor of a user portable computer device, the computer-executable instructions cause the processor to:

• capture, using an application installed on the user portable computer device, a first reference sample of the authorized cardholder, the user portable computer device associated with an authorized cardholder and including a memory coupled to the processor;
• store, in the memory, the first reference sample and associated payment card information;
• receive a wireless signal from a point-of-sale (POS) device during a payment card transaction initiated by a suspect consumer possessing the user portable computer device;
• activate, in response to the received wireless signal, the application, wherein the activated application prompts the suspect consumer to capture a first transaction sample of the suspect consumer;
• capture, using the application on the user portable computer device, the first transaction sample of the suspect consumer;
• compare the first transaction sample to the first reference sample in the memory;
• and
• transmit the associated payment card information to the POS device in response to the first transaction sample matching the first reference sample.

A computing device for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said computing device comprising a processor communicatively coupled to a memory and in communication with a user portable computing device, said computing device programmed to:

• register the authorized cardholder within said computing device by receiving a plurality of reference samples of the authorized cardholder from the user portable computing device and associating payment card information with the plurality of reference samples, at least one reference sample of the plurality of reference samples collected from the authorized cardholder by an application installed on the user portable computing device, wherein the plurality of reference samples includes at least a first reference sample;
• store, in the memory, the plurality of reference samples and the payment card information;
• receive an authentication request including one or more transaction samples of the suspect consumer and transaction payment card information, wherein the one or more transaction samples are captured using the application on the user portable computing device;
• compare each of the one or more transaction samples to the plurality of reference samples;
• authenticate the suspect consumer as the authorized cardholder in response to the one or more transaction samples matching a corresponding reference sample;
• transmit, in response to the authentication, authorization information to the user portable computing device;
• and
• receive, from a point-of-sale (POS) device in communication with the user portable computing device, an authorization request message in response to the authorization information.