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.
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Citations
17 Claims
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1-2. -2. (canceled)
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3. A method comprising:
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reading a card presented to a terminal; requesting an authorization of a transaction using the card, wherein authorization includes receiving approval from an authorization subprocessor, the authorization subprocessor configured to approve or deny a transaction based on a plurality of user selected authorization parameters and constraints; and receiving an authorization response, the response indicating if the transaction is approved or denied. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10)
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11. A system comprising:
a card reading terminal, wherein the terminal is configured to read a card and request authorization of a transaction using the card, wherein authorization includes receiving approval from an authorization subprocessor, the authorization subprocessor configured to approve or deny a transaction based on a plurality of user selected authorization parameters and constraints, wherein the terminal is further configured to receive an authorization response, the response indicating if the transaction is approved or denied. - View Dependent Claims (12, 13, 14, 15, 16, 17)
Specification