Electronic transaction verification system with biometric authentication

A system configured to process a payment transaction wirelessly with a point-of-sale reader associated at a point-of-sale location, the system comprising:

• a reader configured to capture encoded information from a transaction token using wireless communication, wherein the transaction token is issued on behalf of an issuing entity;
• and
• one or more hardware processors configured to:
• receive biometric data corresponding to a user's feature from a scanner;
• compare the received biometric data with a stored biometric data associated with the user;
• and
• transmit, wirelessly to the point-of-sale reader directly from a computing device associated with the reader, a transaction token information representative of the encoded information from the transaction token responsive to the comparison indicating an approval of the received biometric data;
• wherein the transaction token information is stored on a non-transitory memory.

A computing device configured to enable wireless radio frequency electronic payment transaction between the computing device and a point-of-sale reader associated at a point-of-sale location, the computing device comprising one or more hardware processors configured to process a transaction, said processing comprising:

• receiving an encoded transaction token information from a transaction token using wireless communication, wherein the transaction token is issued on behalf of an issuing entity;
• storing the encoded transaction token information on the computing device;
• receiving biometric data corresponding to a user's biometric feature;
• comparing the received biometric data with a stored biometric data associated with the user;
• and
• transmitting, to the point-of-sale reader wirelessly from the computing device, the encoded transaction token information representative of the stored transaction token based on the comparison indicating an approval of the received biometric data.

A method of processing a payment transaction wirelessly between a computing device and a point-of-sale reader associated at a point-of-sale location, the method comprising:

• receiving an encoded transaction token information from a transaction token using wireless communication, wherein the transaction token is issued on behalf of an issuing entity;
• storing the received transaction token information on the computing device;
• receiving biometric data corresponding to a user's biometric feature;
• comparing the received biometric data with a stored biometric data associated with the user;
• and
• transmitting, to the point-of-sale reader wirelessly from the computing device, the transaction token information representative of the stored transaction token based on the comparison indicating an approval of the received biometric data.