Computer-based systems configured to provide pre-staged transactions via lockers and methods of use thereof

A system comprising:

• a plurality of lockers positioned within a physical location;
• one or more processors;
• and
• a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the one or more processors to:
• receive a request from a user to perform a pre-staged transaction at the physical location;
• generate a first token based on the pre-staged transaction, the first token comprising at least one first authentication factor associated with the user;
• transmitting the first token to an app executing on a mobile device associated with the user;
• transmit a reminder for the pre-staged transaction to the mobile device of the user, the reminder comprising a user interface operable by the user to modify information associated with the first token;
• wherein the reminder is generated based on geo-location information of the mobile device of the user within a pre-configured time window prior to an expiration time;
• identify a locker from a plurality of lockers positioned within the physical location, wherein the locker has been prepared for the pre-staged transaction;
• receive the first token from the app executing on the mobile device of the user to initiate access to the locker when the user is within a vicinity of the physical location;
• authenticate the user based on the received first authentication factor of the first token;
• transmit, upon successful authentication of the user, a second token to the app executing on the mobile device, the second token including locker identifying information of the locker, and credential information to access the locker;
• cause, in response to receiving at least a part of the second token at the locker, the locker to unlock.