This invention describes a system that lets you pre-authenticate a wearable device, like a smartwatch, so you can make multiple purchases without repeatedly entering payment details. You set limits for the device, initiate a transaction at a terminal, and the system queues it. When you tap your wearable at the terminal, it sends a token to complete the purchase from the queue. The system can also suggest nearby terminals and process subsequent queued transactions automatically.
Why it matters: Wearable device adoption and secure mobile payment protocols have matured significantly since 2015, making the system's reliance on them more feasible and user-friendly. The widespread availability of NFC-enabled wearables simplifies the communication and token exchange described in the claims.
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