Systems and methods for authenticating users in virtual reality settings

A system for use in facilitating a payment account transaction within a virtual reality setting, the system comprising:

• a memory including a virtual reality account for a consumer, the virtual reality account including a motion ID for the consumer and a payment account credential for a payment account associated with the motion ID, the motion ID defining a reference movement by the consumer within the virtual reality setting;
• and
• a processor in communication with the memory, the processor configured to:
• receive from the consumer, within the virtual reality setting, a selection to purchase a product offered for sale in the virtual reality setting by a merchant;
• prompt the consumer for the motion ID associated with the payment account included in the virtual reality account, so that the payment account can be used to purchase the product;
• in response to the prompt, capture a movement of the consumer within the virtual reality setting while masking the movement to other users within the virtual reality setting, such that the other users are unable to perceive the movement of the consumer in the virtual reality setting;
• compare the captured movement of the consumer to the reference movement defined by the motion ID, to thereby authenticate the consumer, or not, to the payment account;
• and
• initiate a payment account transaction for the product, funded by the payment account, when the captured movement of the consumer matches the reference movement defined by the motion ID and the consumer is authenticated.

A non-transitory computer-readable storage media comprising executable instructions for facilitating a payment account transaction in a virtual reality setting, which when executed by at least one processor, cause the at least one processor to:

• receive, from a consumer in a virtual reality setting, a selection to purchase a product;
• prompt the consumer for a motion ID associated with at least one payment account available for use in the virtual reality setting to purchase the product, the motion ID defining a reference movement of at least one body part of the consumer in the virtual reality setting;
• capture a movement of the at least one body part of the consumer in the virtual reality setting in response to the prompt;
• in response to the prompt for the motion ID, mask the movement of the at least one body part of the consumer in the virtual reality setting, whereby another user included in the virtual reality setting is unable to perceive the movement of the at least one body part of the consumer in the virtual reality setting;
• compare the captured movement of the at least one body part of the consumer to the reference movement defined by the motion ID, for use in authenticating the consumer to the at least one payment account;
• and
• compile an authorization request for the purchase of the product and transmit the authorization request, when the captured movement of the at least one body part of the consumer matches the reference movement defined by the motion ID, thereby initiating a transaction for the purchase of the product funded by the at least one payment account.