Predictive pre - authorization of transactions using passive biometrics

A system for predictive pre-authorization of transactions using biometrics, comprising:

• a computing device comprising a memory, a processor, and a non-volatile data storage device;
• a database on the non-volatile data storage device, the database comprising customer history data, the customer history data comprising customer receipt data, bank, debit, or credit card details, and customer preferences;
• a biometrics verification module comprising a first plurality of programming instructions stored in the memory, and operating on the processor, wherein the first plurality of programming instructions, when operating on the processor, cause the computing device to:
• confirm an identity of a customer using biometrics;
• and
• send a confirmation of identity signal to an authorization generator;
• and
• an authorization generator module comprising a first plurality of programming instructions stored in the memory, and operating on the processor, wherein the first plurality of programming instructions, when operating on the processor, cause the computing device to:
• receive the confirmation of identity signal from the biometrics verification module;
• retrieve a subset of the customer history data from the customer database that corresponds to the specific customer;
• compute a customer average transaction amount using the customer receipt data from the subset of the customer history data;
• and
• determine, using a machine-learned predictive algorithm, a pre-authorization amount using the customer average transaction amount and the customer preferences from the subset of the customer history data as inputs into the machine-learned predictive algorithm.