A method, comprising: transmitting, by an access device, user-identifying information associated with a user, an identifier for a matcher computer, and a first transaction identifier to an ID manager computer; receiving, by the access device, a second transaction identifier and the first transaction identifier from the ID manager computer, the second transaction identifier comprising a random number; receiving, by a biometric reader in communication with the access device, a biometric sample from the user, wherein the biometric reader converts the biometric sample into biometric sample data; and transmitting the second transaction identifier and the biometric sample data to the matcher computer, wherein the matcher computer receives the second transaction identifier and a first fragment of a biometric template from a first template storage computer, receives the second transaction identifier and a second fragment of the biometric template from a second template storage computer, combines at least the first fragment of the biometric template and the second fragment of the biometric template, and compares at least the combined first fragment of the biometric template and the second fragment of the biometric template to the biometric sample data to determine if the combined at least the first fragment of the biometric template and the second fragment of the biometric template matches the biometric sample data, wherein the first template storage computer stores the first fragment of the biometric template along with a first user identifier associated with the user identifying information, and the second template storage computer stores the second fragment of the biometric template along with a second user identifier associated with the user identifying information and wherein the first template storage computer receives the first user identifier and the second transaction identifier from the ID manager computer and transmits the second transaction identifier and the first fragment to the matcher computer upon matching the first user identifier to the stored first fragment, and wherein the second template storage computer receives the second user identifier and the second transaction identifier from the ID manager computer and transmits the second transaction identifier and the second fragment to the matcher computer upon matching the second user identifier to the stored second fragment. transmitting, by an access device, user-identifying information associated with a user, an identifier for a matcher computer, and a first transaction identifier to an ID manager computer; receiving, by the access device, a second transaction identifier and the first transaction identifier from the ID manager computer, the second transaction identifier comprising a random number; receiving, by a biometric reader in communication with the access device, a biometric sample from the user, wherein the biometric reader converts the biometric sample into biometric sample data; and transmitting the second transaction identifier and the biometric sample data to the matcher computer, wherein the matcher computer receives the second transaction identifier and a first fragment of a biometric template from a first template storage computer, receives the second transaction identifier and a second fragment of the biometric template from a second template storage computer, combines at least the first fragment of the biometric template and the second fragment of the biometric template, and compares at least the combined first fragment of the biometric template and the second fragment of the biometric template to the biometric sample data to determine if the combined at least the first fragment of the biometric template and the second fragment of the biometric template matches the biometric sample data, wherein the first template storage computer stores the first fragment of the biometric template along with a first user identifier associated with the user identifying information, and the second template storage computer stores the second fragment of the biometric template along with a second user identifier associated with the user identifying information and wherein the first template storage computer receives the first user identifier and the second transaction identifier from the ID manager computer and transmits the second transaction identifier and the first fragment to the matcher computer upon matching the first user identifier to the stored first fragment, and wherein the second template storage computer receives the second user identifier and the second transaction identifier from the ID manager computer and transmits the second transaction identifier and the second fragment to the matcher computer upon matching the second user identifier to the stored second fragment.