SYSTEM FOR PERSONAL AUTHORIZATION CONTROL FOR CARD TRANSACTIONS
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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.
58 Citations
19 Claims
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1-2. -2. (canceled)
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3. A system comprising:
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an authorization subprocessor;
an authorization parameter table database coupled to the authorization subprocessor; and
a web server database interface coupled to the authorization parameter table database, wherein the web server database interface is configured to be in communication with a browser, wherein the browser is capable of allowing a user to select a combination of authorization constraints from a plurality of authorization constraints, and is capable of allowing a user to select specific authorization parameters associated with the selected authorization constraints, wherein the selected authorization constraints and the selected authorization parameters are capable of being used by an authorization subprocessor to determine whether or not a transaction is authorized. - View Dependent Claims (4, 5, 6, 7, 8, 9)
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10. A method comprising:
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receiving at a web server database interface and from a browser in communication with the web server database interface, a selection of a combination of authorization constraints from a plurality of authorization constraints;
receiving at the web server database interface, selections of specific authorization parameters associated with the selected constraints; and
storing the selected authorization constraints and the selected authorization parameters in an authorization parameter table database, wherein an authorization subprocessor uses the selected authorization constraints and the selected authorization parameters to determine if a conducted transaction is authorized or not. - View Dependent Claims (11, 12, 13, 14)
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15. A method comprising:
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selecting a combination of authorization constraints from a plurality of authorization constraints using a web browser;
selecting specific authorization parameters associated with the selected authorization constraints using the web browser; and
providing the selected authorization constraints and the selected authorization parameters to a web server database interface, wherein the web server database interface subsequently stores the selected authorization constraints and the selected authorization parameters in an authorization parameter table database, and wherein an authorization subprocessor uses the selected authorization constraints and the selected authorization parameters to determine if a conducted transaction is authorized or not. - View Dependent Claims (16, 17, 18, 19)
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Specification