Pre-authorization techniques for transactions

A system comprising:

• one or more processors;
• and
• one or more computer-readable media storing computer-executable instructions that, when executed, cause the one or more processors to perform acts comprising:
• receiving payment information associated with a payment instrument of a customer for satisfying a first cost of a first item offered for sale by a merchant;
• receiving, from point-of-sale (POS) devices operable by merchants associated with a payment-processing service, transaction data associated with transactions between the merchants and customers;
• identifying a profile of the customer based at least in part on the payment information, wherein the profile of the customer comprises one or more previous transactions between the customer and the merchants;
• determining, based at least in part on receiving the payment information, at least one additional item to upsell to the customer in lieu of the first item, the determining based at least in part on the transaction data and the profile of the customer, wherein the at least one additional item is offered for a second cost greater than the first cost;
• sending an authorization request to a credit card network (CCN) associated with the payment instrument, the authorization request for holding an amount of funds that is greater than the second cost of the at least one additional item;
• receiving an indication from the CCN that the authorization request has been approved for the amount of funds;
• sending, to a POS device of the merchant, a recommendation that the merchant offer the at least one additional item in lieu of the first item to the customer prior to finalizing a payment transaction with the customer for the first item;
• receiving, from the POS device, an indication that the customer has requested to purchase the at least one additional item in lieu of the first item;
• sending, to the CCN, a capture request for the amount of funds;
• and
• receiving an indication that the amount of funds has been transferred to an account of the merchant.

A method implemented at least in part at a point-of-sale (POS) device of a merchant, the method comprising:

• receiving, at the POS device, an indication that a customer of a plurality of customers has requested to acquire a first item associated with a first cost from a merchant of a plurality of merchants associated with a payment-processing service;
• receiving payment information associated with a payment instrument of the customer for satisfying the first cost of the first item;
• receiving, from the payment-processing service and based at least in part on the payment information, first transaction data associated first transactions between the customer and one or more first merchants of the plurality of merchants;
• receiving, from the payment-processing service, second transaction data associated with second transactions between one or more customers of the plurality of customers and one or more second merchants of the plurality of merchants;
• sending the payment information to the payment-processing service, the payment-processing service sending an authorization request to a payment network for an amount of funds that is greater than the first cost of the first item, based on the first transaction data and the second transaction data;
• and
• causing presentation of the first transaction data on a display of the POS device.

A system comprising:

• one or more processors;
• and
• one or more computer-readable media storing computer-executable instructions that, when executed, cause the one or more processors to perform acts comprising:
• receiving, from a point-of-sale (POS) device of a merchant, payment information associated with a payment instrument of a customer for satisfying a first cost of a first item offered by the merchant;
• identifying a profile of the customer based at least in part on the payment information;
• sending an authorization request to a credit card network (CCN) associated with the payment instrument for holding a first amount of funds that is greater than the first cost of the first item;
• receiving an indication from the CCN that the authorization request has been approved for the first amount of funds;
• determining information regarding the customer from the profile;
• determining previous transaction data associated with one or more previous transactions between merchants and customers;
• and
• sending the previous transaction data and the information regarding the customer to the POS device prior to finalizing a payment transaction with the customer for the first item.