Mobile phone charge card notification and authorization method
First Claim
Patent Images
1. A payment authorization method, which comprises:
- gathering, at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase;
transmitting an authorization request to a financial authorization system requesting payment authorization for the customer'"'"'s purchase;
notifying the customer that the authorization request has been received by transmitting a notification to a wireless device associated with the customer; and
processing the transaction for payment authorization.
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Abstract
An added level of security is added to charge card transactions. Upon presenting a credit card for a purchase, for example, the cardholder receives a message on his cell phone that a charge authorization request has been received. The cardholder may also be prompted to reply with a password or a PIN, so as to add a second security authorization.
114 Citations
7 Claims
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1. A payment authorization method, which comprises:
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gathering, at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase;
transmitting an authorization request to a financial authorization system requesting payment authorization for the customer'"'"'s purchase;
notifying the customer that the authorization request has been received by transmitting a notification to a wireless device associated with the customer; and
processing the transaction for payment authorization. - View Dependent Claims (2, 3, 4)
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5. In a charge card payment authorization method, wherein a charge is requested at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase is acquired at the merchant'"'"'s, an authorization request is transmitted to a remote charge processing facility, and the charge request is processed, the improvement which comprises:
- transmitting a notification of the charge request to a wireless device associated with the customer no later than immediately after authorizing the charge request.
- View Dependent Claims (6, 7)
Specification