A system and method for predictive pre-authorization of subsidiary accounts using passive biometrics which uses wireless mobile devices and biometric scanning to automatically predict pre-authorized transaction amounts for a plurality of subsidiary accounts in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, verifies the customer with a biometrics verification database, generates a pre-authorization amount with an authorization generator, and automatically deducts payments for purchases from a pre-authorized customer account. The system and method may further include capabilities for facilitating offline transactions using accounts enabled as offline accounts.