# US 2021/0279737 A1 · Predictive pre - authorization of transactions using passive biometrics

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- Number: US 2021/0279737 A1
- Document ID: US20210279737A1
- Status: Published application
- Kind: A1
- Application number: 17/329,734
- Filed: 2021-05-25
- Published: 2021-09-09
- Earliest claimed: 2019-11-21
- Assignees: Rockspoon, Inc.
- Applicants: RockSpoon, Inc.
- Inventors: Nagib Georges Mimassi
- Web page: https://patentgrep.com/patent/US20210279737A1

## CPC

- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/40145: {Biometric identity checks}
- G06F 16/2379: {Updates performed during online database operations; commit processing}
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/327: {Short range or proximity payments by means of M-devices}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

A system and method for predictive pre-authorization of transactions using biometrics which uses wireless mobile devices and biometric scanning to automatically predict pre-authorized transaction amounts in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, verifies the customer with a biometrics verification database, generates a pre-authorization amount with an authorization generator, and automatically deducts payments for purchases from a pre-authorized customer account.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The system of claim 1, further comprising a unified communications system which acts as a common intermediary device through which the payment facilitation device, the payment facilitation server, and registered wireless mobile device communicate.

### Claim 3

A method for predictive pre-authorization of transactions using biometrics, comprising the steps of:
storing customer information in a database, the customer information comprising:
a list of registered wireless mobile devices;
a device identifier for each registered wireless mobile device;
a photograph of a customer associated with each registered wireless mobile device; and
payment details for the customer associated with each registered wireless mobile device; and
performing the following steps using a biometrics verification module, the biometrics verification module comprising a first memory, a first processor, and a first plurality of programming instructions:
confirming an identity of a customer using biometrics; and
sending a confirmation of identity signal to an authorization generator; and
performing the following steps using an authorization generator module, the authorization generator module comprising a second memory, a second processor, and a second plurality of programming instructions:
receiving the confirmation of identity signal from the biometrics verification module;
retrieving a subset of the customer history data from the customer database that corresponds to the specific customer;
computing a customer average transaction amount using the customer receipt data from the subset of the customer history data; and
determining, 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.

### Claim 4 (depends on 3)

The method of claim 3 further comprising the step of using a unified communications system as a common intermediary device through which the payment facilitation device, the payment facilitation server, and registered wireless mobile device communicate.