Systems and methods for mobile pre-authorization of a credit transaction

A system for providing a pre-authorized credit transaction comprising:

• a user device comprising a first processor and a first non-transitory memory storing instructions that, when executed by the first processor, cause the first processor to perform processing comprising:
• generating a customizable user interface based on information associated with a user, the customizable user interface comprising a plurality of fields comprising a plurality of pre-authorization amount options, the plurality of fields, wherein the plurality of fields are identified based on the information, wherein generating the customizable user interface further comprises configuring the plurality of pre-authorization amount options based on the information, wherein each of the plurality of pre-authorization amount options indicate a different pre-authorization amount;
• receiving by the customizable user interface a preauthorization request, the pre-authorization request comprising a pre-authorization amount, a transaction duration, and a vendor identifier;
• transmitting the pre-authorization request to a pre-authorization server remote from the user device;
• the pre-authorization server comprising a second processor and a second non-transitory memory storing instructions that, when executed by the second processor, cause the second processor to perform processing comprising:
• receiving the pre-authorization request;
• analyzing the pre-authorization request to identify user information comprising an account identifier, an account amount, and a user credit score;
• creating a pre-authorization response, the pre-authorization response comprising an authorized amount, an authorized transaction duration, and the vendor identifier;
• transmitting the pre-authorization response to the user device associated with the account identifier, the pre-authorization response indicating the pre-authorization request is approved;
• monitoring for one or more transactions associated with the account identifier;
• detecting a transaction associated with the account identifier;
• analyzing transaction information associated with the transaction, the transaction information comprising an attempted transaction amount, an attempted transaction time, and an attempted transaction vendor identifier;
• and
• based on analyzing the transaction information:
• processing the transaction when the transaction is attempted before the transaction duration elapses and the attemped transaction amount is less than or equal to the pre-authorization amount;
• and
• denying the transaction when the transaction is attempted after the transaction duration elapses or the attempted transaction amount is greater than the pre-authorization amount.