Payment authentication using os-based and issuer-based authenticator applications

A computing device, comprising:

• a processor;
• a storage device;
• and
• an authenticator application having instructions stored in the storage device that when executed by the processor, direct the computing device to:
• manage a resource with information about registered users;
• receive user identifiable information;
• authenticate a user using the user identifiable information and the information stored in the resource;
• upon the authenticating the user using the user identifiable information and the information stored in the resource, generate a key tied to existing biometric authentication of the user and mapped to the user identifiable information;
• and
• communicate with a support server to provide the key and a notification of a potential transaction.

One or more computer-readable storage media having instructions for authenticating user information stored thereon that when executed, direct a processor to:

• manage a resource with information about registered users;
• receive user identifiable information;
• authenticate a user using the user identifiable information and the information stored in the resource;
• upon the authenticating the user using the user identifiable information and the information stored in the resource, generate a key tied to existing biometric authentication of the user and mapped to the user identifiable information;
• communicate with a support server to provide the key and a notification of a potential transaction;
• prompt the user for biometric authentication;
• receive a biometric marker from the user;
• determine whether the biometric marker received from the user satisfies a biometric criterion based on the existing biometric authentication of the user;
• and
• upon the determination that the biometric criterion is satisfied, communicate with the support server to enable the potential transaction to be performed.