Biometric templates are created for biometric data captured for a user. Each template is processed to generate a unique token. Each template and token pair is stored in a record of an index along with a link to at least one an external service of the user. During a transaction at a transaction terminal, biometric data for a user is captured and a template is generated. The index is searched with the template to obtain a corresponding token and a link to the external service. The external service is provided the token to identify the user and return personal data for the user from an account of the user with the external service. The personal data is processed for the transaction at the transaction terminal.