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CONSUMER SPENDING THRESHOLD EVALUATION

  • US 20090327107A1
  • Filed: 06/11/2009
  • Published: 12/31/2009
  • Est. Priority Date: 06/30/2008
  • Status: Abandoned Application
First Claim
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1. A method comprising:

  • receiving, by a server computer, an authorization request for a transaction conducted with a payment token from a merchant via an open payment processing network, the payment token associated with an account having a no preset spending limit;

    determining, by the server computer, an exposure limit of the account in real-time based on information obtained by the open payment processing network; and

    determining, by the server computer, whether or not to authorize the transaction based on the determined exposure limit.

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