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System and method for interactive secure dialog between card holder and issuer

  • US 20030046235A1
  • Filed: 05/23/2002
  • Published: 03/06/2003
  • Est. Priority Date: 05/25/2001
  • Status: Active Grant
First Claim
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1. A computer implemented system for facilitating secure dialog between a card holder and a card provider via a network, comprising:

  • a card provider server including a database of information having a plurality of card holder accounts data, said account data including at least a card holder charge status, said server configured to manipulate said database;

    a computer network a remote card holder interface for providing card holder access to said network;

    a card provider virtual authorizing agent for communicating with said card holder interface and said card provider server to facilitate authorization issues; and

    a merchant processing system for communicating with said card holder interface and said card provider server, said merchant process system for receiving a transaction request from said card holder interface, sending a transaction authorization request to said card provider server, and receiving a transaction authorization notice from said card provider server, said transaction authorization notice comprising at least one of an approval notice or a denial notice from said card provider server.

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