SYSTEM AND METHOD INCLUDING INDIRECT APPROVAL

• US 20100274688A1
• Filed: 02/25/2010
• Published: 10/28/2010
• Est. Priority Date: 04/28/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman
• Granted Patent: US 9,916,583 B2
• Time in Patent Office: Days
• US Class Current: 705/30
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• 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 20/40155 for triggering transactions
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: G08B 25/004 Alarm propagated along alternative communication path or using alternative communication medium according to a hierarchy of available ways to communicate, e.g. if Wi-Fi not available use GSM
• CPC Class Codes: G08B 5/229 with other provisions not elsewhere provided for
• CPC Class Codes: H04L 12/1895 for short real-time information, e.g. alarms, notifications, alerts, updates
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/55 Push-based network services

Abstract

A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method comprising: a) receiving an authorization request message, wherein the authorization request message requests authorization to proceed with a transaction conducted between a first party and a second party using a portable device; b) analyzing the authorization request message by a server computer to determine if the portable device is enrolled in a transaction alert program; c) if the portable device is enrolled in the transaction alert program, sending a transaction alert request message to a third party requesting approval to proceed with the transaction; d) receiving a transaction alert response message from the third party; e) sending the authorization request message to an issuer associated with the portable device; f) receiving an authorization response message from the issuer; and g) sending the authorization response message to the second party.

Claims

1. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor for implementing a method comprising;

a) receiving an authorization request message, wherein the authorization request message requests authorization to proceed with a transaction conducted between a first party and a second party using a portable device;

b) analyzing the authorization request message by a server computer to determine if the portable device is enrolled in a transaction alert program;

c) if the portable device is enrolled in the transaction alert program, initiating the sending of a transaction alert request message to a third party requesting approval to proceed with the transaction;

d) receiving a transaction alert response message from the third party;

e) sending the authorization request message to an issuer associated with the portable device;

f) receiving an authorization response message from the issuer; and

g) sending the authorization response message to the second party.

2. The server computer of claim 1 wherein the transaction alert message is a first transaction alert message and wherein the method further comprises sending a second transaction alert message to the first party.

3. The server computer of claim 2 wherein the first party is a consumer and the second party is a merchant, and wherein e) is performed before d).

4. The server computer of claim 2 wherein the transaction is a first transaction, the authorization request message is a first authorization request message and the authorization response message is a first authorization response message, and wherein the method further comprises:

h) receiving a second authorization request message, wherein the second authorization request message requests authorization to proceed with a second transaction conducted between a fourth party and a fifth party using a second portable device;

i) analyzing the second authorization request message by the server computer to determine if the second portable device is enrolled in the transaction alert program;

j) if the second portable device is enrolled in the transaction alert program, initiating the sending a second transaction alert request message to the third party requesting approval to proceed with the transaction;

k) receiving a second transaction alert response message from the third party;

l) sending the second authorization request message to the issuer;

m) receiving a second authorization response message from the issuer; and

n) sending the second authorization response message to the second party.

5. The server computer of claim 4 wherein the first party is a first consumer, the second party is a first merchant, the fourth party is a second consumer, the fifth party is a second merchant, and the third party is an employer of the first consumer and the second consumer.

6. The server computer of claim 5 wherein the first and second portable devices are associated with the same account number.

7. The server computer of claim 1 wherein the first party is a consumer and the second party is a merchant.

8. The server computer of claim 1 wherein the portable device is a debit card or a credit card.

9. The server computer of claim 1 wherein the authorization request message comprises a primary account number, an expiration date associated with the portable device, verification value, and a merchant identifier.

10. The server computer of claim 9 wherein the portable device is a debit card.

11. A method comprising:

a) receiving an authorization request message, wherein the authorization request message requests authorization to proceed with a transaction conducted between a first party and a second party using a portable device;

b) analyzing the authorization request message by a server computer to determine if the portable device is enrolled in a transaction alert program;

c) if the portable device is enrolled in the transaction alert program, initiating the sending a transaction alert request message to a third party requesting approval to proceed with the transaction;

d) receiving a transaction alert response message from the third party;

e) sending the authorization request message to an issuer associated with the portable device;

f) receiving an authorization response message from the issuer; and

g) sending the authorization response message to the second party.

12. The method of claim 11 wherein the transaction alert message is a first transaction alert message and wherein the method further comprises sending a second transaction alert message to the first party.

13. The method of claim 12 wherein the first party is a consumer and the second party is a merchant.

14. The method of claim 12 wherein the transaction is a first transaction, the authorization request message is a first authorization request message and the authorization response message is a first authorization response message, and wherein the method further comprises:

h) receiving a second authorization request message, wherein the second authorization request message requests authorization to proceed with a second transaction conducted between a fourth party and a fifth party using a second portable device;

i) analyzing the second authorization request message by the server computer to determine if the second portable device is enrolled in the transaction alert program;

j) if the second portable device is enrolled in the transaction alert program, initiating the sending a second transaction alert request message to the third party requesting approval to proceed with the transaction;

k) receiving a second transaction alert response message from the third party;

l) sending the second authorization request message to the issuer;

m) receiving a second authorization response message from the issuer; and

n) sending the second authorization response message to the second party.

15. The method of claim 14 wherein the first party is a first consumer, the second party is a first merchant, the fourth party is a second consumer, the fifth party is a second merchant, and the third party is an employer of the first consumer and the second consumer.

16. The method of claim 15 wherein the first and second portable devices are associated with the same account number.

17. The method of claim 11 wherein the first party is a consumer and the second party is a merchant, wherein e) is performed before d).

18. The method of claim 11 wherein the portable device is a debit card or a credit card.

19. The method of claim 11 wherein the authorization request message comprises a primary account number, an expiration date associated with the portable device, verification value, and a merchant identifier.

20. The method of claim 19 wherein the portable device is a debit card.