Abstract: Techniques for improved Point of Sale (PoS) transactions are disclosed. The techniques include a PoS terminal that receives biometric data from a consumer, determines an encryption key based on the biometric data, and transmits the encryption key to a mobile device associated with the consumer to cause the mobile device to decrypt a consumer key and transmit an indication of a successful decryption. The PoS terminal further receives the indication of the successful decryption from the mobile device, and retrieves consumer account information responsive to receiving the indication of the successful decryption.