US Patent 12067567 Systems and methods for use in authenticating consumers in connection with payment account transactions

Systems and methods are provided for authenticating users in connection with transactions. One example computer-implemented method includes, in response to presentment of a payment device in connection with a transaction, identifying, by a point-of-sale (POS) device, the payment device as enabled for facial authentication and retrieving, from the payment device, a reference image. The method also includes capturing, by the POS computing device, via a camera, a facial image of the user presenting the payment device and authenticating the user based on a comparison of the captured facial image of the user to the reference image. The method then includes, in response to successfully authenticating the user: compiling an authorization request for the transaction, appending an authentication indicator to a data element of the authorization request, which indicates that the user was biometrically authenticated, and submitting the authorization request to a payment network.