Mastercard International Incorporated

Sheldon Jackson

Christopher T Scholl

Aravind Mattaparthi

The disclosure describes systems and methods for authenticating a consumer performing a digital wallet transaction while wearing a face covering. A consumer authentication system includes an electronic circuit device having a wireless transmitter chip associated with a unique identifier (UID). The system receives a transaction request message, and in response, transmits an authentication request message to the consumer. The system then receives an authentication response message from the consumer. The authentication response message includes a biometric sample of a select physical feature of the consumer. The system determines that the biometric sample matches the biometric profile of the consumer above a predetermined lower threshold and then reads a unique identifier (UID) from the electronic circuit device. The system determines whether the read unique identifier (UID) matches the unique identifier (UID) of the new consumer account.

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St. Louis, MO, United States of America

Sheldon Jackson