Authentication for biometric checkout using rba modeling

A method of identifying a user for a secure payment transaction, comprising:

• identifying a plurality of payment accounts corresponding to biometric data associated with a user in response to an identification request;
• calculating a plurality of confidence scores using the biometric data and context data associated with a request for authentication of the user associated with completion of a payment transaction, the plurality of confidence scores comprising a confidence score for each account in the plurality of payment accounts;
• selecting an account from the plurality of payment accounts having a highest confidence score;
• and
• triggering completion of the payment transaction using the selected account from the plurality of payment account.

A computer storage medium having computer-executable instructions that, upon execution by a processor of a computer, cause the processor to at least:

• identify a plurality of payment accounts corresponding to biometric data associated with a user in response to an authentication request;
• calculate a plurality of confidence scores using the biometric data and context data associated with a request for authentication of the user associated with completion of a payment transaction, the plurality of confidence scores comprising a confidence score for each account in the plurality of payment accounts;
• select an account from the plurality of payment accounts having a highest confidence score;
• and
• authorize the selected account from the plurality of payment accounts for completion of the payment transaction.