Authentication based on biometric identification parameter of an individual for payment transaction

A system for authenticating a customer during a payment transaction based on a biometric identification parameter of the customer, the system comprising:

• at least one processor of a point-of-sale (POS) device programmed or configured to:
• receive image data associated with an image template for identification of a customer;
• receive first device identifier data associated with a first device identifier of a user device associated with a customer from the user device associated with the customer;
• store the first device identifier data associated with the first device identifier of the user device associated with the customer and the image data associated with the image template for identification of the customer in a data structure of the POS device for a predetermined time period;
• cause image data associated with an image of a biometric identification parameter of the customer to be captured via an image capture device of the POS device during a payment transaction between the customer and a merchant;
• receive the image data associated with the image of the biometric identification parameter of the customer during the payment transaction between the customer and the merchant;
• establish a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant;
• authenticate an identity of the customer for the payment transaction via the short-range communication connection, wherein, when authenticating the identity of the customer for the payment transaction, the at least one processor of the POS device is programmed or configured to:
• receive second device identifier data associated with a second device identifier of the user device associated with the customer via the short-range communication connection from the user device associated with the customer,
• determine that the first device identifier of the user device associated with the customer corresponds to the second device identifier of the user device associated with the customer,
• retrieve the image template for identification of the customer based on the second device identifier of the user device associated with the customer, and
• determine whether the image of the biometric identification parameter of the customer corresponds to the image template for identification of the customer;
• determine an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, wherein when determining the account identifier of the account of the customer, the at least one processor of the POS device is programmed or configured to:
• retrieve account identifier data associated with the account identifier of the account of the customer from the data structure of the POS device;
• display an image associated with a payment device, wherein the payment device is associated with the account identifier of the account of the customer;
• receive an indication that the account identifier of the account of the customer is to be used during processing of the payment transaction after displaying the image associated with the payment device;
• process the payment transaction using the account identifier of the account of the customer;
• and
• delete the first device identifier data associated with the first device identifier of the user device associated with the customer and the image data associated with the image template for identification of the customer from the data structure of the POS device after expiration of the time period.

A computer program product for authenticating a customer during a payment transaction based on a biometric identification parameter of the customer, the computer program product comprising at least one non-transitory computer-readable medium including one or more instructions that, when executed by at least one processor of a point-of-sale (POS) device, cause the at least one processor of the POS device to:

• receive image data associated with an image template for identification of a customer;
• receive first device identifier data associated with a first device identifier of a user device associated with a customer from the user device associated with the customer;
• store the first device identifier data associated with the first device identifier of the user device associated with the customer and the image data associated with the image template for identification of the customer in a data structure of the POS device;
• cause image data associated with an image of a biometric identification parameter of the customer to be captured via an image capture device of the POS device during a payment transaction between the customer and a merchant;
• receive the image data associated with the image of the biometric identification parameter of the customer during the payment transaction between the customer and the merchant;
• establish a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant;
• authenticate an identity of the customer for the payment transaction via the short-range communication connection, wherein the one or more instructions that cause the at least one processor to authenticate the identity of the customer for the payment transaction, cause the at least one processor of the POS device to:
• receive second device identifier data associated with a second device identifier of the user device associated with the customer via the short-range communication connection from the user device associated with the customer,
• determine that the first device identifier of the user device associated with the customer corresponds to the second device identifier of the user device associated with the customer,
• retrieve the image template for identification of the customer based on the second device identifier of the user device associated with the customer, and
• determine whether the image of the biometric identification parameter of the customer corresponds to the image template for identification of a customer;
• determine an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, wherein, the one or more instructions that cause the at least one processor of the POS device to determine the account identifier of the account of the customer, cause the at least one processor of the POS device to:
• retrieve account identifier data associated with the account identifier of the account of the customer from the data structure of the POS device;
• display an image associated with a payment device, wherein the payment device is associated with the account identifier of the account of the customer;
• receive an indication that the account identifier of the account of the customer is to be used during processing of the payment transaction after displaying the image associated with the payment device;
• process the payment transaction using the account identifier of the account of the customer;
• and
• delete the first device identifier data associated with the first device identifier of the user device associated with the customer and the image data associated with the image template for identification of the customer from the data structure of the POS device after expiration of the time period.