Systems and methods for tokenless authentication of consumers during payment transactions

A computer-implemented method to authenticate, for a payment transaction executed by a point of sale device at a retail location, a use of a payment account by a visiting consumer physically present at the retail location, said method implemented using a consumer biometric authentication apparatus having a processor and a memory, said method comprising:

• receiving, in the memory, (i) a biometric data set for a first consumer, the biometric data set including at least one biometric image of the first consumer, and (ii) a payment account identifier associated with the first consumer;
• receiving an iris image of the visiting consumer from an iris recognition device proximate an entrance to the retail location and in communication with the processor;
• authenticating the use of the payment account upon matching the received iris image of the visiting consumer with the at least one biometric image of the first consumer, authenticating the visiting consumer as the first consumer;
• and
• presenting identifying information of the first consumer to the point of sale device prior to completion of the payment transaction.

A non-transitory computer-readable storage media having computer-executable instructions embodied thereon for authenticating a use of a payment account during a payment transaction executed by a point of sale device at a retail location by a visiting consumer physically present at the retail location, wherein when executed by at least one processor of a computing device, the computer-executable instructions cause the at least one processor to:

• receive (i) a biometric data set for a first consumer, the biometric data set including at least one biometric image of the first consumer, and (ii) a payment account identifier associated with the first consumer;
• receive an iris image of the visiting consumer from an iris recognition device proximate an entrance to the retail location and in communication with the processor;
• authenticate the use of the payment account upon matching the received iris image of the visiting consumer with the at least one biometric image of the first consumer, authenticating the visiting consumer as the first consumer;
• and
• present identifying information of the first consumer to the point of sale device prior to completion of the payment transaction.