Zero-step authentication of transactions using passive biometrics

A system for zero-step authentication of transactions using biometrics, comprising:

• at least one of either or both of an audio or video input device;
• and
• a biometrics verification server comprising a first memory, a first processor, and a first plurality of programming instructions stored in the first memory, and operating on the first processor, wherein the first plurality of programming instructions, when operating on the first processor, cause the biometrics verification server to:
• receive either or both audio or video data from an input source over a network;
• process the received data as either or both voice or facial biometric data;
• match received data with stored data;
• and
• respond with a positive or negative match to the input source;
• and
• a payment facilitation device comprising a second memory, a second processor, and a second plurality of programming instructions stored in the second memory, and operating on the second processor, wherein the second plurality of programming instructions, when operating on the second processor, cause the payment facilitation device to:
• obtain a device identifier for a registered wireless mobile device;
• send the device identifier to a payment facilitation server;
• display a photograph of a customer associated with the registered wireless mobile device for confirmation of the identity of the customer;
• and
• send the transaction details to a payment facilitation server for processing of the transaction, the transaction details comprising a transaction amount;
• and
• a payment facilitation server comprising a third memory, a third processor, and a third plurality of programming instructions stored in the third memory, and operating on the third processor, wherein the third plurality of programming instructions, when operating on the third processor, cause the payment facilitation server to:
• receive the device identifier from the payment facilitation device;
• retrieve customer information associated with the registered wireless mobile device from a database;
• receive the transaction details from the payment facilitation device;
• check the pre-paid account balance of the customer associated with the registered wireless mobile device;
• if the account balance exceeds transaction amount, deduct the transaction amount from the account balance;
• or
• if the transaction amount exceeds the account balance, send the transaction details to a payment processor for processing.