Automated sensor-based customer identification and authorization systems within a physical environment

A system for authenticating a customer, comprising:

• one or more processors;
• and
• a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
• receive, from a merchant server, customer biometric data associated with an unknown customer present at a merchant location, the customer biometric data being detected as the unknown customer collects one or more merchant items within the merchant location;
• determine, based on a plurality of known customer identification profiles associated with a plurality of known customers and the customer biometric data, a plurality of confidence levels, each of the plurality of confidence levels representing a likelihood that the unknown customer is a known customer associated with a known customer identification profile, wherein each known customer identification profile comprising:
• identification information, purchase history, customer activity in the merchant location;
• and biometric data associated with a unique known customer of the plurality of known customers;
• and
• identify a greatest confidence level of the plurality of confidence levels, the greatest confidence level being associated with a first known customer of the plurality of known customers and a first known customer identification profile of the plurality of known customer identification profiles;
• transmit, based on the identification information associated with the first known customer identification profile and responsive to determining that the greatest confidence level exceeds a predetermined threshold, payment credentials of one or more financial accounts associated with the first known customer to the merchant server;
• determine an accidental purchase by the first known customer based on the purchase history and the customer activity including customer movements in the merchant location;
• and
• provide an alert to the first known customer, based on the accidental purchase, wherein the alert comprises at least one item return option associated with a total cost of the one or more merchant items.

A method for authenticating a customer, comprising:

• detecting, by one or more sensors and at one or more locations within a merchant location, customer biometric data associated with an unknown customer present at the merchant location;
• transmitting, to a financial service provider server, the customer biometric data;
• receiving, from the financial service provider server, authentication that the unknown customer is a known customer;
• receiving, from the financial service provider server, payment credentials of one or more financial accounts associated with the known customer;
• determining an accidental purchase by the known customer based on customer purchase history and customer activity including customer movements in the merchant location;
• and
• providing an alert to the known customer, based on the accidental purchase, wherein the alert comprises at least one item return option associated with a total cost of one or more merchant items.

A system for authenticating a customer, comprising:

• one or more processors;
• one or more sensors in communication with the one or more processors, the one or more sensors being positioned proximate a merchant location;
• and
• a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
• detect, by the one or more sensors at a plurality of time points while an unknown customer is present at the merchant location, sensor data associated with the unknown customer, wherein the sensor data comprises one or more of customer biometric data and device information associated with the unknown customer;
• determine, based on a known customer identification profile associated with a known customer and the sensor data, a confidence level that the unknown customer is the known customer, wherein the known customer identification profile comprises identification information, biometric data associated with the known customer, purchase history, customer activity in the merchant location;
• and device information associated with the known customer;
• authenticate the unknown customer as the known customer when the confidence level exceeds a predetermined threshold;
• responsive to authenticating the unknown customer as the known customer, transmit the identification information associated with the known customer to a financial service provider server;
• receive, from the financial service provider server, payment credentials of one or more accounts associated with the known customer and authorization to utilize the one or more accounts to perform a financial transaction;
• update the biometric data associated with the known customer with the customer biometric data for future customer identification, such that the known customer identification profile corresponds to changing characteristics of the known customer;
• and
• determining an accidental purchase by the known customer based on the purchase history and the customer activity including customer movements in the merchant location;
• and
• providing an alert to the known customer, based on the accidental purchase, wherein the alert comprises at least one item return option associated with a total cost of one or more merchant items.