System and method for authentication and payment while wearing a face covering

A system comprising:

• a consumer computing device associated with a consumer;
• a face covering of the consumer, the face covering including:
• a central body portion providing a form fitting mask covering a nose and mouth of the consumer;
• a pair of elastic loops attached to the central body portion;
• and
• an integrated electronic circuit device, separate from the consumer computing device, removably attached to the central body portion, and comprising a body being substantially formed of an opaque material, the body including an antenna and a wireless transmitter chip embedded into the opaque material, the antenna extending along a periphery of the body forming a loop, the wireless transmitter chip having a unique identifier (UID) stored thereon, the UID being associated with the electronic circuit device;
• and
• a consumer authentication computing system comprising:
• a processor;
• and
• a memory storing computer-executable instructions thereon, that when executed by the processor, cause the processor to perform operations of:
• receiving account registration information from the consumer computing device associated with the consumer, the account registration information including the unique identifier (UID);
• generating a consumer account including the account registration information and the unique identifier (UID);
• receiving a biometric profile of the consumer, the biometric profile including a digital representation of a physical feature of the consumer;
• storing the generated consumer account and the biometric profile on the memory;
• receiving, from the consumer computing device, a transaction request message including a transaction request;
• in response to the transaction request, transmitting an authentication request message to the consumer computing device;
• receiving an authentication response message from the consumer computing device, the authentication response message including a biometric sample;
• determining that the biometric sample matches the biometric profile of the consumer above a predetermined lower threshold value and below a predetermined upper threshold value;
• in response to the determination, establishing a wireless connection to the integrated electronic circuit device;
• reading, via the wireless connection, the unique identifier (UID) from the electronic circuit device;
• and
• approving the transaction request if the read unique identifier (UID) matches the unique identifier (UID) of the generated consumer account.