TECHNIQUES FOR AUTHORIZATION OF USAGE OF A PAYMENT DEVICE
First Claim
1. A method for authorization of usage of a payment device at a merchant, said payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said method comprising the steps of:
- facilitating obtaining said account number in connection with a putative transaction with a terminal of said merchant;
facilitating determining whether said account number is on file in association with an active file manager apparatus, said active file manager apparatus being intermediate said terminal and said payment processing network;
responsive to said determining step indicating that said account number is not on file in association with said active file manager apparatus;
facilitating said issuer obtaining an authorization message, through said payment processing network, for said account number;
facilitating obtaining an issuer authorization decision;
approving said putative transaction, with said active file manager, without use of said issuer authorization decision;
responsive to said issuer authorization decision, facilitating setting a spending limit for said account number;
facilitating conducting subsequent putative transactions for said account number;
facilitating determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and
responsive to said determining that said parameter is reaching said predetermined relationship, facilitating obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number.
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Accused Products
Abstract
Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.
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Citations
31 Claims
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1. A method for authorization of usage of a payment device at a merchant, said payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said method comprising the steps of:
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facilitating obtaining said account number in connection with a putative transaction with a terminal of said merchant; facilitating determining whether said account number is on file in association with an active file manager apparatus, said active file manager apparatus being intermediate said terminal and said payment processing network; responsive to said determining step indicating that said account number is not on file in association with said active file manager apparatus; facilitating said issuer obtaining an authorization message, through said payment processing network, for said account number; facilitating obtaining an issuer authorization decision; approving said putative transaction, with said active file manager, without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitating setting a spending limit for said account number; facilitating conducting subsequent putative transactions for said account number; facilitating determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and responsive to said determining that said parameter is reaching said predetermined relationship, facilitating obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An active file manager apparatus for authorization of usage of a payment device at a merchant, the payment device having an associated account number and being issued by an issuer coupled to a payment processing network, 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 said account number in connection with a putative transaction with a terminal of said merchant, said active file manager apparatus being intermediate said terminal and said payment processing network; facilitate determining whether said account number is on file in association with said active file manager apparatus; responsive to said determining step indicating that said account number is not on file in association with said active file manager apparatus; facilitate said issuer obtaining an authorization message, through said payment processing network, for the account number; facilitate obtaining an issuer authorization decision; approve said putative transaction, without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitate setting a spending limit for the account number; facilitate conducting subsequent putative transactions for said account number;
facilitate determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; andresponsive to said determining that said parameter is reaching said predetermined relationship, facilitate obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A computer program product comprising a tangible computer readable recordable storage medium including computer usable program code for authorization of usage of a payment device at a merchant, said payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said computer program product including:
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computer usable program code for facilitating obtaining said account number in connection with a putative transaction with a terminal of said merchant; computer usable program code for facilitating determining whether said account number is on file in association with an active file manager apparatus, said active file manager apparatus being intermediate said terminal and said payment processing network; computer usable program code for, responsive to said determining step indicating that said account number is not on file in association with said active file manager apparatus; facilitating an issuer of the device obtaining an authorization message for said account number; facilitating obtaining an issuer authorization decision; approving said putative transaction, with said active file manager, without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitating setting a spending limit for said account number; computer usable program code for facilitating conducting subsequent putative transactions for said account number; computer usable program code for facilitating determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and computer usable program code for, responsive to said determining that said parameter is reaching said predetermined relationship, facilitating obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31)
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Specification