Authentication for biometric checkout using RBA modeling

Abstract

A system and method authenticate payment transactions using risk based analysis modeling when multiple payment accounts are identified by input biometric data. An authentication request includes the biometric data associated with a user. Multiple user payment accounts associated with the biometric data are identified. A confidence score is generated for each of the multiple user payment accounts based on context data associated with the payment transaction. The payment account with the highest confidence score is selected. The selected payment account is authenticated for use in processing the payment transaction to ensure payment transactions are performed on the correct payment account.

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