Systems and methods for pre-configuring a payment vehicle
First Claim
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1. A computer-implemented method comprising:
- receiving, from a smart device of a user, an indication of an identified item that the user will need to purchase;
in response to the indication of the identified item, sending, to a computing device of a user via a communications network, an electronic notification to select transaction criteria in advance of an anticipated transaction to be made with a payment vehicle, wherein the identified item is included in the transaction criteria, wherein the payment vehicle will not be authorized for transactions that have not been identified in advance;
in response to the electronic notification, receiving at a computing device of an issuer of the payment vehicle from the computing device of the user, the transaction criteria prior to the anticipated transaction;
receiving, at the computing device of the issuer of the payment vehicle from a point of sale device, a transaction authorization request for a transaction, the transaction authorization request generated by the point of sale device in response to an attempted use of the payment vehicle,wherein the transaction authorization request includes information about the transaction; and
comparing, by the computing device of the issuer of the payment vehicle, the information about the transaction with the transaction criteria to determine whether to authorize the transaction.
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Abstract
Methods and systems for pre-configuring a payment vehicle are described. In some embodiments, transaction criteria pertaining to a payment vehicle is proactively received in advance of an anticipated transaction. A transaction authorization request may be received from a point of sale device and may be generated by the point of sale device in response to an attempted use of the payment vehicle. Information about the transaction in the transaction request may be compared with the transaction criteria to determine whether to authorize the transaction.
15 Citations
18 Claims
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1. A computer-implemented method comprising:
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receiving, from a smart device of a user, an indication of an identified item that the user will need to purchase; in response to the indication of the identified item, sending, to a computing device of a user via a communications network, an electronic notification to select transaction criteria in advance of an anticipated transaction to be made with a payment vehicle, wherein the identified item is included in the transaction criteria, wherein the payment vehicle will not be authorized for transactions that have not been identified in advance; in response to the electronic notification, receiving at a computing device of an issuer of the payment vehicle from the computing device of the user, the transaction criteria prior to the anticipated transaction; receiving, at the computing device of the issuer of the payment vehicle from a point of sale device, a transaction authorization request for a transaction, the transaction authorization request generated by the point of sale device in response to an attempted use of the payment vehicle, wherein the transaction authorization request includes information about the transaction; and comparing, by the computing device of the issuer of the payment vehicle, the information about the transaction with the transaction criteria to determine whether to authorize the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium comprising a set of instructions that, when executed by one or more processors, cause a machine to:
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receive, from a smart device of a user, an indication of an identified item that the user will need to purchase; in response to the indication of the identified item, send, to a computing device of a user via a communications network, an electronic notification to select transaction criteria in advance of an anticipated transaction to be made with a payment vehicle, wherein the identified item is included in the transaction criteria, wherein the payment vehicle will not be authorized for transactions that have not been identified in advance; in response to the electronic notification, receive, from the computing device of the user, the transaction criteria prior to the anticipated transaction, receive, from a point of sale device, a transaction authorization request for a transaction, the transaction authorization request generated by the point of sale device in response to an attempted use of the payment vehicle, wherein the transaction authorization request includes information about the transaction; and compare the information about the transaction with the transaction criteria to determine whether to authorize the transaction. - View Dependent Claims (16, 17)
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18. A pre-configuration and authorization engine, comprising:
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one or more processors; and a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the pre-configuration and authorization engine to; receive, from a smart device of a user, an indication of an identified item that the user will need to purchase; in response to the indication of the identified item, send, to a computing device of a user via a communications network, an electronic notification to select transaction criteria in advance of an anticipated transaction to be made with a payment vehicle, wherein the identified item is included in the transaction criteria, wherein the payment vehicle will not be authorized for transactions that have not been identified in advance; in response to the electronic notification, receive, from the computing device of the user, the transaction criteria prior to the anticipated transaction, receive, from a point of sale device, a transaction authorization request for a transaction, the transaction authorization request generated by the point of sale device in response to an attempted use of the payment vehicle, wherein the transaction authorization request includes information about the transaction; and compare the information about the transaction with the transaction criteria to determine whether to authorize the transaction.
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Specification