Transaction authentication

A method, comprising:

• defining a pre-staged transaction for a user on a server;
• obtaining a pre-staged transaction identifier for the pre-staged transaction from the server;
• requesting a biometric token from the server, wherein requesting further includes identifying a biometric type for the biometric token from metadata;
• supplying biometric data of the user captured by a peripheral device, wherein supplying further includes providing instructions on an interface screen of a display to the user that instructs the user on how to interact with the peripheral device to capture the biometric data from the user;
• receiving the biometric token from the server based on the supplying of the biometric data, wherein the biometric token comprises biometric measurements and the metadata, wherein the biometric measurements comprise measurements for one or more of:
• a user's face, a user's eye, a user′ finger or multiple digits of the user, and a voice pattern of the user, and wherein the metadata comprises a biometric type associated with a particular one of the biometric measurements of the biometric token;
• saving the biometric token on a device of the user, wherein saving further includes writing the biometric token to a Universal Serial Bus (USB) device provided by the user, wherein the user provides the USB device to the device for the saving;
• and
• providing, by the device, the biometric token for association with the pre-staged transaction to the server based on a predefined schedule set by the user when the user is ready to perform the pre-staged transaction on a transaction terminal.

A transaction terminal, comprising:

• a hardware processor configured to execute executable instructions from a non-transitory computer-readable storage medium as a biometric agent and a transaction manager;
• at least one biometric peripheral interfaced to the transaction terminal;
• the biometric agent;
• and
• the transaction manager;
• wherein the transaction manager is configured to:
• receive a biometric authentication request for a pre-staged transaction of a user;
• activate the biometric agent;
• supply a candidate biometric token provided by the biometric agent to a server;
• delete biometric data captured by the at least one biometric peripheral and delete the candidate biometric token from the transaction terminal when a transaction is completed on the transaction terminal;
• wherein the candidate biometric token comprises biometric measurements and metadata, wherein the biometric measurements comprise measurements for one or more of:
• a user's face, a user's eye, a user′ finger or multiple digits of the user, and a voice pattern of the user, and wherein the metadata comprises a biometric type associated with a particular one of the biometric measurements;
• receive pre-stage transaction details for the pre-staged transaction from the server when the user is authenticated by the server from the candidate biometric token and when a hash value associated with a pre-staged transaction identifier for the pre-staged transaction is validated by the server;
• and
• process the pre-staged transaction details to complete the transaction at the terminal on behalf of the user;
• wherein the biometric agent is configured to:
• activate the at least one biometric peripheral;
• obtain the biometric data captured for the user by the at least one biometric peripheral;
• generate the candidate biometric token from the biometric data;
• and
• provide the candidate biometric token to the transaction manager.