System for personal authorization control for card transactions
First Claim
Patent Images
1. A method comprising:
- receiving at an interface to a server computer, a cardholder selection of a combination of notification parameters from a cardholder, the notification parameters specifying constraints that will cause notifications to be sent to the cardholder when transaction details of transactions conducted by a card presenter match the constraints, wherein the constraints specified by the notification parameters are unrelated to authorization of the transactions;
storing the cardholder selected notification parameters in a parameter table database;
receiving, by a subprocessor, transaction details of a transaction conducted by a card presenter at a POS terminal or an ATM terminal;
determining, with the subprocessor, that the transaction details of the transaction conducted by the card presenter at the POS terminal or the ATM terminal match the constraints, the constraints being unrelated to authorization of the transaction; and
sending a notification by the subprocessor to a device associated with the cardholder when the transaction details of the transaction conducted by the card presenter match the constraints specified by the notification parameters, the notification including the transaction details of the transaction,wherein the constraints are in a plurality of constraints, and wherein the plurality of constraints are displayed to the cardholder such that the cardholder is capable of selecting arbitrary combinations of the constraints.
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Abstract
An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
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Citations
19 Claims
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1. A method comprising:
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receiving at an interface to a server computer, a cardholder selection of a combination of notification parameters from a cardholder, the notification parameters specifying constraints that will cause notifications to be sent to the cardholder when transaction details of transactions conducted by a card presenter match the constraints, wherein the constraints specified by the notification parameters are unrelated to authorization of the transactions; storing the cardholder selected notification parameters in a parameter table database; receiving, by a subprocessor, transaction details of a transaction conducted by a card presenter at a POS terminal or an ATM terminal;
determining, with the subprocessor, that the transaction details of the transaction conducted by the card presenter at the POS terminal or the ATM terminal match the constraints, the constraints being unrelated to authorization of the transaction; andsending a notification by the subprocessor to a device associated with the cardholder when the transaction details of the transaction conducted by the card presenter match the constraints specified by the notification parameters, the notification including the transaction details of the transaction, wherein the constraints are in a plurality of constraints, and wherein the plurality of constraints are displayed to the cardholder such that the cardholder is capable of selecting arbitrary combinations of the constraints. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A system comprising:
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an interface to a server computer, configured to receive a cardholder selection of a combination of notification parameters from a cardholder, the notification parameters specifying constraints that will cause notifications to be sent to the cardholder when transaction details of transactions conducted by a card presenter match the constraints, wherein the constraints specified by the notification parameters are unrelated to authorization of the transactions; a parameter table database, wherein the parameter table database is configured to store the cardholder selected notification parameters; and a subprocessor, configured to receive transaction details of a transaction conducted by a card presenter at a POS terminal or an ATM terminal, and determine that the transaction details of the transaction conducted by the card presenter at the POS terminal or the ATM terminal match the constraints, the constraints being unrelated to authorization of the transaction, and send a notification to a device associated with the cardholder when the transaction details of the transaction conducted by the card presenter match the constraints specified by the notification parameters, the notification including the transaction details of the transaction, wherein the constraints are in a plurality of constraints, and wherein the plurality of constraints are displayed to the cardholder such that the cardholder is capable of selecting arbitrary combinations of the constraints.
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Specification