Techniques For Authorization Of Usage Of A Payment Device
First Claim
1. A method for authorization of usage of a payment device at a merchant, said payment device having an associated account number, said method comprising the steps of:
- facilitating an issuer of the device obtaining an authorization message for said account number, based on desired spending limit parameters established by at least one of the merchant and said issuer;
facilitating obtaining an issuer authorization decision; and
responsive to said issuer authorization decision, facilitating setting a spending limit for said account number based on at least an appropriate one of said parameters.
1 Assignment
0 Petitions
Accused Products
Abstract
Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.
-
Citations
39 Claims
-
1. A method for authorization of usage of a payment device at a merchant, said payment device having an associated account number, said method comprising the steps of:
-
facilitating an issuer of the device obtaining an authorization message for said account number, based on desired spending limit parameters established by at least one of the merchant and said issuer;
facilitating obtaining an issuer authorization decision; and
responsive to said issuer authorization decision, facilitating setting a spending limit for said account number based on at least an appropriate one of said parameters. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. An apparatus for authorization of usage of a payment device at a merchant, the payment device having an associated account number, said apparatus comprising:
-
a memory; and
at least one processor coupled to said memory, said processor being operative to;
facilitate an issuer of the payment device obtaining an authorization message for the account number, based on desired spending limit parameters established by at least one of the merchant and an issuer of the payment device;
facilitate obtaining an issuer authorization decision; and
responsive to said issuer authorization decision, facilitate setting a spending limit for the account number based on at least an appropriate one of said parameters. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
-
-
28. A computer program product comprising a computer useable medium including computer usable program code for authorization of usage of a payment device at a merchant, said payment device having an associated account number, said computer program product including:
-
computer usable program code for facilitating an issuer of the device obtaining an authorization message for said account number, based on desired spending limit parameters established by at least one of the merchant and said issuer;
computer usable program code for facilitating obtaining an issuer authorization decision; and
computer usable program code for, responsive to said issuer authorization decision, facilitating setting a spending limit for said account number based on at least an appropriate one of said parameters. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
-
Specification