Systems and methods for use in authenticating users in connection with network transactions

A computing device for use in authenticating a user based on biometric data, in connection with a payment account transaction, the computing device comprising:

• a first biometric reader and a second biometric reader;
• and
• at least one processor coupled to each of the first biometric reader and the second biometric reader, the at least one processor configured to:
• capture first biometric data at the first biometric reader in connection with a payment account transaction by a user, the first biometric data associated with a first finger of the user;
• capture second biometric data at the second biometric reader, the second biometric data associated with a second finger of the user;
• compile a biometric combination including the first biometric data and the second biometric data;
• and
• transmit the biometric combination, as part of a message, to a third party, thereby permitting the third party to append a personal identification number (PIN) indicated by the biometric combination to the message.

A system for use in authenticating a user based on biometric data, in connection with a payment account transaction, the system comprising:

• a computing device configured to:
• receive an authorization request associated with a transaction to a payment account, the authorization request including biometric data associated with a user, the biometric data including multiple biometrics of the user;
• convert the biometric data into a personal identification number (PIN), the PIN including at least two characters;
• append the PIN to the authorization request;
• and
• transmit the authorization request to an issuer associated with the payment account, thereby permitting the issuer to reply to the authorization request, based at least in part on the PIN.