Patent ID: 8352315
Filing Date: 2013-01-08
Classification: G06Q

Abstract:
1. A method of pre-authorizing a specific future transaction of a consumer, the method comprising: receiving data corresponding to previous transactions involving payment from one or more accounts of the consumer; a computer system determining one or more patterns of the previous transactions; based on the determined patterns, predicting, by the computer system, when the consumer is likely to initiate the specific future transaction, the specific future transaction being identifiable by one or more keys that characterize the specific future transaction; and based on the prediction and prior to the consumer initiating the specific future transaction, generating a token, by the computer system, for an authorization of the specific future transaction, wherein the generated authorization token is operable to be used during a process for authorizing a transaction that is initiated by the consumer and that matches the one or more keys, the authorization token authorizing payment from the one or more accounts of the consumer.