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System and method for providing a credit card with back-end payment filtering

  • US 20050121511A1
  • Filed: 11/01/2004
  • Published: 06/09/2005
  • Est. Priority Date: 10/30/2003
  • Status: Active Grant
First Claim
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1. A credit card transaction processing system comprising:

  • at least one computer processor; and

    a memory coupled to said computer processor, said credit card transaction processing system being is configured for;

    receiving transaction data related to a reimbursable charge made on said credit card by a credit card holder;

    analyzing said transaction data to determine whether said charge may be auto-substantiated;

    in response to determining that said charge may be auto-substantiated, auto-substantiating said charge; and

    in response to said charge being auto-substantiated, reimbursing said credit card holder for at least a portion of said charge at least substantially without human intervention.

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