US 2026/0187633 A1 · PRE-AUTHENTICATION FOR PREDICTED FUTURE TRANSACTIONS

Abstract

Disclosed are various embodiments for pre-authenticating future transactions to enable users to engage in a transaction without a need for real-time authentication. A future transaction can be identified based at least in part on analyzing transaction data to determine patterns in a user's behavior or in response to receiving a pre-authentication request from a client device. Pre-authentication data can be generated by the issuer of a credential predicted to be used in the future transaction along with a risk level associated with the authentication. A client device can present transaction data with the pre-authentication to a terminal and the terminal can validate the pre-authentication prior to approving or denying the transaction.

Claims21

Dependent claims

A system, comprising:

a computing device comprising a processor and a memory;
and
machine-readable instructions stored in the memory that, when executed by the processor, cause the computing device to at least:
identify a future transaction requiring authentication, the future transaction being between a client device and a terminal;
determine a risk level associated with the future transaction;
generate pre-authentication data for the future transaction, the pre-authentication data comprising a pre-authentication key, transaction criteria, and the risk level;
and
transmit the pre-authentication data to the client device.

5 more elements

Dependencies are inferred from the claim text.

Pre-authentication for predicted future transactions

Life of this patent

Pre-authentication for predicted future transactions

Life of this patent

Abstract

Claims21