MOBILE PHONE CHARGE CARD NOTIFICATION AND AUTHORIZATION METHOD
First Claim
1. In a charge card payment authorization method, wherein a charge is requested at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase is acquired at the merchant'"'"'s, an authorization request is transmitted to a remote charge processing facility, and the charge request is processed, the improvement which comprises:
- transmitting a notification of the charge request through a cellular network to a wireless device associated with the customer no later than immediately after authorizing the charge request and processing the charge request without requiring a response from the wireless device associated with the customer.
1 Assignment
0 Petitions
Accused Products
Abstract
An added level of security is provided for charge card transactions. Upon presenting a charge card number for a purchase, for example, the cardholder receives a message (e.g., SMS) on his cell phone or PDA that a charge authorization request has been received. The message may include the merchant, a charge amount, and a time and date.
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Citations
4 Claims
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1. In a charge card payment authorization method, wherein a charge is requested at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase is acquired at the merchant'"'"'s, an authorization request is transmitted to a remote charge processing facility, and the charge request is processed, the improvement which comprises:
- transmitting a notification of the charge request through a cellular network to a wireless device associated with the customer no later than immediately after authorizing the charge request and processing the charge request without requiring a response from the wireless device associated with the customer.
- View Dependent Claims (2, 3, 4)
Specification