FACIAL TEMPLATE AND TOKEN PRE-FETCHING IN HANDS FREE SERVICE REQUESTS

A service system establishes a facial template for a user based on a user image. The user signs into a service application via a user computing device, which receives an identifier from a beacon device to transmit to the account management system. The account management system transmits facial templates based on payment account data for each user signed in at the service system location and transmits facial templates to a service computing device. The service computing device compares a captured facial image of a user initiating a service request against the received facial templates to identify the user. The service computing device receives a token from the account management system for the identified user. The service computing device transmits transaction details and the token to an issuer system to process the transaction. The service computing device receives an approval of the transaction authorization request.