Mitigating risk for hands-free interactions

An access device comprising:

• a processor;
• and
• a computer readable medium, the computer readable medium comprising code executable by the processor to cause the access device to perform a method comprising
• obtaining a first biometric sample of a user,
• generating a first biometric template or a derivative thereof from the first biometric sample,
• transmitting the first biometric template or the derivative thereof to a mobile device, wherein the mobile device or the user determines if the access device is an authentic access device,
• receiving a confirmation of a match between the first biometric template and a second biometric template on the mobile device, and
• responsive to the confirmation, conducting a transaction between the access device and the mobile device, after the mobile device or the user determines that the access device is authentic.

A method comprising:

• receiving, by a mobile device, a first biometric template of a user or a derivative thereof from an access device;
• determining, by the mobile device, if the access device is an authentic access device;
• determining, by the mobile device, that the first biometric template and a second biometric template on the mobile device match;
• transmitting, by the mobile device to the access device, a confirmation of the match between the first biometric template and a second biometric template on the mobile device;
• and
• conducting a transaction between the access device and the mobile device, after the mobile device or the user determines that the access device is authentic.