Systems and Methods for Use in Approving Transactions, Based on Biometric Data

A system for use in processing transactions, based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed, the system comprising a point-of-sale (POS) computing device, which is configured to:

• in association to a user presenting a biometric-enabled payment device for a transaction between the user and a merchant to the POS computing device,
• receive, from the payment device, a payment account credential specific to a payment account associated with the payment device;
• and
• receive, from the payment device, a biometric score, which is indicative of a degree of match between i) a biometric of the user captured at the payment device in connection with the user presenting the payment device to the POS terminal computing device and ii) a reference biometric stored in the payment device;
• and
• append the biometric score to one or more data elements of an authorization request for the transaction at the merchant, the authorization request including the credential;
• and
• transmit the authorization request, wherein the biometric score is adapted for an issuer associated with the payment account to utilize the biometric score in determining to approve or decline the transaction.

A non-transitory computer readable storage media including computer executable instructions, which when executed by at least one processor of a point-of-sale (POS) computing device, cause the at least one processor to:

• in association to a user presenting a biometric-enabled payment device for a transaction between the user and a merchant to the POS computing device,
• receive, from the payment device, a payment account credential specific to a payment account associated with the payment device;
• and
• receive, from the payment device, a biometric score, which is indicative of a degree of match between i) a biometric of the user captured at the payment device in connection with the user presenting the payment device to the POS terminal computing device and ii) a reference biometric stored in the payment device;
• and
• append the biometric score to one or more data elements of an authorization request for the transaction at the merchant, the authorization request including the credential;
• and
• transmit the authorization request, wherein the biometric score is adapted for an issuer associated with the payment account to utilize the biometric score in determining to approve or decline the transaction.