Abstract: Systems and methods are provided for enhanced biometric authentication, based on proximity of mobile devices. One example computer-implemented method includes, for a biometric-initiated transaction, receiving an authentication request from a first party, where the authentication request includes a biometric specific to a user and captured at a point-of-sale (POS) terminal at the first party and a listing of token(s) and identifier(s). The method also includes identifying a biometric template based on the identifier, and identifying a device ID of a mobile device based on the token(s). The method further includes verifying that the device ID is bound to the identifier(s), compiling a response to the authentication request, and providing a transaction payload for the transaction to a payment service provider (PSP).

Abstract: A method is provided for conducting financial transactions with digital forms of payment. In the method, a consumer initiates a purchase on a website. A facilitator app is also initiated on the website. The facilitator app searches the electronic device being used by the consumer for payment apps that have been loaded onto the electronic device. The consumer may then select the payment app that the consumer wishes to use for the payment. The facilitator app may also launch a payment app loaded onto the electronic device and may transfer payment details from the payment app to the website.