Abstract: Systems, methods, and computer-readable storage media utilized for authenticating and authorizing payments. One method includes receiving one or more biometrics and authenticating the one or more biometrics of the customer based on accessing a customer authentication database and comparing the one or more biometrics to one or more stored authentication templates. The method further includes receiving context information gathered by the POS device, wherein the context information includes a plurality of context elements that describe a context of the transaction and selecting a customer payment profile from a plurality of customer payment profiles identified by the one or more biometrics of the customer. The method further includes authorizing the payment for the transaction from a payment account associated with the selected customer payment profile and sending, to the POS device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

Abstract: Systems and methods for facilitating financial transactions are provided. A mobile computing device can receive a payment request from a merchant computing device. The payment request can include an amount of the financial transaction. The mobile computing device can transmit, via a computer network, the payment request and authentication information to a financial institution computing device. The mobile computing device can receive, via the computer network, authorization information from the financial institution computing device. The authorization information can include information indicating approval of the payment request. The mobile computing device can transmit the authorization information to the merchant computing device.

Abstract: A system, method, and apparatus of authenticating and authorizing a payment are provided. A method includes receiving authentication information gathered by a point-of-sale device from a customer initiating a payment for a transaction via the point-of-sale device; receiving context information gathered by the point-of-sale device; authenticating the customer using the received authentication information; selecting a customer payment profile from a plurality of customer payment profiles to use for the transaction, based on the received context information, wherein each customer payment profile is associated with a payment account; authorizing the payment for the transaction from the payment account associated with the selected customer payment profile; and sending, to the point-of-sale device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

Abstract: A mobile wallet computing system includes a processing circuit configured to receive an approval request for a prospective mobile wallet transaction from a first device associated with the purchaser, the approval request identifying the approver and including a characteristic of the prospective mobile wallet transaction, transmit a transaction notification to a second device associated with the approver, the transaction notification including the characteristic of the prospective transaction, receive an approval input from the second device, the approval input identifying a payment account of the approver that is not provisioned to the first mobile wallet account, and transmit a set of payment credentials associated with the payment account to the first device.