System and method for facilitating account-based transactions
First Claim
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1. A method comprising:
- associating a first person with an account;
associating a second person with the account;
receiving a request to authorize a transaction between the second person and a third party;
determining whether the first person desires to communicate with the second person;
determining at least one communication address; and
enabling communication between the first person and the second person based on the at least one communication address if the first person desires to communicate with the second person.
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Abstract
One embodiment of the present invention comprises associating a first person with an account, associating a second person with the account, receiving a request to authorize a transaction between the second person and a third party, and enabling communication between the first person and the second person.
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Citations
23 Claims
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1. A method comprising:
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associating a first person with an account;
associating a second person with the account;
receiving a request to authorize a transaction between the second person and a third party;
determining whether the first person desires to communicate with the second person;
determining at least one communication address; and
enabling communication between the first person and the second person based on the at least one communication address if the first person desires to communicate with the second person. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method comprising:
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receiving an indication of a first person;
associating the first person with a financial account;
receiving an indication of a second person;
associating the second person with the financial account;
receiving an identifier that identifies the financial account;
receiving a request to authorize a transaction between the second person and a third party;
determining a first communication address that is associated with the first person based on the identifier that identifies the financial account;
establishing a connection to the first person based on the first communication address;
determining whether the first person desires to communicate with the second person; and
if the first person desires to communicate with the second person;
determining a second communication address that is associated with the second person; and
enabling communication between the first person and the second person based on the second communication address.
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23. A method comprising:
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receiving an indication of a transaction between a user of a credit card account and a merchant, in which the transaction is associated with the credit card account;
identifying an account holder of the credit card account;
after receiving the indication of the transaction, enabling communication between the account holder and the user; and
receiving from the account holder an indication of whether to authorize the transaction.
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Specification