Abstract: A method and apparatus for conditional transaction pre-approval is disclosed. In one embodiment, a computer system receives a transaction request, the computer being configured to perform a verification process to authorize transactions. The computer system may initiate, prior to completion of the verification process for a transaction, a prediction process using a model, to predict whether the transaction will pass the verification process. In response to determining that the transaction is predicted to pass, the transaction is pre-approved by the computer system, prior to completing the verification process. Subsequent to pre-approving, the verification process may be completed to determine if the prediction was correct. Based on the result of the verification process, the model is updated for future transaction requests.

Abstract: A method and apparatus for conditional transaction pre-approval is disclosed. In one embodiment, a computer system receives a transaction request, the computer being configured to perform a verification process to authorize transactions. The computer system may initiate, prior to completion of the verification process for a transaction, a prediction process using a model, to predict whether the transaction will pass the verification process. In response to determining that the transaction is predicted to pass, the transaction is pre-approved by the computer system, prior to completing the verification process. Subsequent to pre-approving, the verification process may be completed to determine if the prediction was correct. Based on the result of the verification process, the model is updated for future transaction requests.