SYSTEM FOR PERSONAL AUTHORIZATION CONTROL FOR CARD TRANSACTIONS

• US 20080235136A1
• Filed: 05/29/2008
• Published: 09/25/2008
• Est. Priority Date: 03/05/2002
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Kemper, Lynn, O'Connell, Robin, Vij, Akshey Shawn
• Application Number:
  US12/129,217
• Publication Number:
  US 20080235136A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

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.

Claims

1-2. -2. (canceled)

3. A system comprising:

an authorization subprocessor configured to deny a transaction based on a plurality of user selected authorization parameters and constraints;

an authorization parameter table database coupled to the authorization subprocessor; and

an interface coupled to the authorization parameter table database, wherein the interface is configured to be in communication with a telephone, wherein the telephone allows a user to select a combination of authorization constraints from a plurality of authorization constraints, and allows the user to select authorization parameters associated with the selected authorization constraints, wherein the selected authorization constraints and the selected authorization parameters are used by the authorization subprocessor to determine whether or not a transaction is authorized.

4. The system of claim 3, wherein the authorization parameter table database stores at least two sets of authorization constraints and parameters for the user.

5. The system of claim 3 further comprising the telephone operatively coupled to the interface.

6. The system of claim 3 wherein the authorization parameters include listings of selectable values from which the user may select the authorization parameters.

7. The system of claim 3 wherein the authorization parameters include listings of selectable values from which the user may select the authorization parameters, the selectable values including amounts of money or days of the week.

8. The system of claim 3 wherein the transaction is a credit card transaction.

9. The system of claim 3 wherein the telephone additionally allows a user to select an activity report or notification option for notifying the user of purchases made.

10. A method comprising:

receiving from a telephone, user selections of a combination of authorization constraints from a plurality of authorization constraints;

receiving from the telephone, user selections of authorization parameters associated with the user selected constraints; and

storing the user selected authorization constraints and the user selected authorization parameters in an authorization parameter table database,

wherein an authorization subprocessor uses the user selected authorization constraints and the user selected authorization parameters to determine if a conducted transaction is authorized or not.

11. The method of claim 10 further comprising using the authorization subprocessor to determine if the transaction is authorized.

12. The method of claim 10 wherein the transaction is a credit card transaction.

13. The method of claim 10, wherein the authorization parameter table database stores at least two sets of authorization constraints and parameters for the user.

14. The method of claim 10 wherein the authorization parameters include listings of selectable values from which the user may select the authorization parameters, the selectable values including amounts of money or days of the week.

15. A device comprising:

a telephone, wherein the telephone is configured to receive user selections of a combination of authorization constraints from a plurality of authorization constraints, receive user selections of authorization parameters associated with the user selected constraints, and store the user selected authorization constraints and the user selected authorization parameters in an authorization parameter table database, wherein an authorization subprocessor uses the user selected authorization constraints and the user selected authorization parameters to determine if a conducted transaction is authorized or not.

16. The device of claim 15 wherein the telephone if further configured to be in communication with an interface, the interface being coupled to the authorization parameter table database.

17. The device of claim 15 wherein the transaction is a credit card transaction.

18. The device of claim 15, wherein the authorization parameter table database stores at least two sets of authorization constraints and parameters for the user.

19. The device of claim 15 wherein the authorization parameters include listings of selectable values from which the user may select the authorization parameters, the selectable values including amounts of money or days of the week.