Method and System for Enabling Item-Level Approval of Payment Card
First Claim
1. A method for electronic payment validation, comprising the steps of:
- facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request;
facilitating translation of said indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and
facilitating transfer of said translated indicia to said third party transaction approver for item-by-item validation on said individual items, said transfer of said translated indicia being in conjunction with an outbound authorization request.
1 Assignment
0 Petitions
Accused Products
Abstract
A method includes the steps of facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitating translation of the indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and facilitating transfer of the translated indicia to the third patty transaction approver for item-by-item validation on the individual items The transfer of the translated indicia is in conjunction with an outbound authorization request. A system implementing the method can make use of an inventive transfer engine.
78 Citations
22 Claims
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1. A method for electronic payment validation, comprising the steps of:
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facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitating translation of said indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and facilitating transfer of said translated indicia to said third party transaction approver for item-by-item validation on said individual items, said transfer of said translated indicia being in conjunction with an outbound authorization request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for building a database useful in facilitating electronic payment validation, comprising the steps of:
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facilitating obtaining, via pre-registration of a plurality of providers, provider indicia identifying individual items to be purchased, together with identities and costs of said items, at least some of said provider indicia differing, among given ones of said providers, for an identical one of said items to be purchased; facilitating generating a translation database having a single translated indicia associated with each given one of said items, regardless of whether given ones of said providers have different provider indicia associated with said given one of said items; and facilitating storage of said translation database in a form to facilitate ready translation of a given provider indicia into a corresponding translated indicia, based on said given provider indicia and an identity of a given one of said providers associated with said given provider indicia. - View Dependent Claims (14, 15, 16)
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17. A computer program product comprising a computer useable medium including computer usable program code for electronic payment validation, said computer program product including:
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computer usable program code for facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; computer usable program code for facilitating translation of said indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and computer usable program code for facilitating transfer of said translated indicia to said third party transaction approver for item-by-item validation on said individual items, said transfer of said translated indicia being in conjunction with an outbound authorization request. - View Dependent Claims (18)
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19. A computer program product comprising a computer useable medium including computer usable program code for building a database useful in facilitating electronic payment validation, said computer program product including:
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computer usable program code for facilitating obtaining, via pre-registration of a plurality of providers, provider indicia identifying individual items to be purchased, together with identities and costs of said items, at least some of said provider indicia differing, among given ones of said providers, for an identical one of said items to be purchased; computer usable program code for facilitating generating a translation database having a single translated indicia associated with each given one of said items, regardless of whether given ones of said providers have different provider indicia associated with said given one of said items; and computer usable program code for facilitating storage of said translation database in a form to facilitate ready translation of a given provider indicia into a corresponding translated indicia, based on said given provider indicia and an identity of a given one of said provider'"'"'s associated with said given provider indicia.
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20. An apparatus for electronic payment validation, said apparatus comprising:
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a memory; and at least one processor coupled to said memory, said processor being operative to; facilitate obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitate translation of said indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and facilitate transfer of said translated indicia to said third party transaction approver for item-by-item validation on said individual items, said transfer of said translated indicia being in conjunction with an outbound authorization request - View Dependent Claims (21)
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22. An apparatus for building a database useful in facilitating electronic payment validation, said apparatus comprising:
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a memory; and at least one processor coupled to said memory, said processor being operative to; facilitate obtaining, via pre-registration of a plurality of providers, provider indicia identifying individual items to be purchased, together with identities and costs of said items, at least some of said provider indicia differing, among given ones of said providers, for an identical one of said items to be purchased; facilitate generating a translation database having a single translated indicia associated with each given one of said items, regardless of whether given ones of said providers have different provider indicia associated with said given one of said items; and facilitate storage of said translation database in a form to facilitate ready translation of a given provider indicia into a corresponding translated indicia, based on said given provider indicia and an identity of a given one of said providers associated with said given provider indicia.
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Specification