Embodiments of the invention provide strong user authentication on a consumer device without requiring the user to go through a formal registration process with the issuer or processing network. Certain embodiments allow the use of any biometric technology (e.g., fingerprint scan, iris scan, voice recognition, etc.) supported by their consumer device (e.g., smart phone, tablet computer, personal computer) to authenticate the user. Additionally, the consumer device provides unforgeable evidence of the biometric match in the form of a biometric digital artifact to provide proof to a processing network that the match occurred. The processing network maintains a history of these authenticated transactions and biometric digital artifacts and as more and more non-fraudulent authenticated transactions occur over time, a higher level of trust (i.e., lower risk) is associated with the consumer device, biometric registration process, and the user.