CONFIGURABLE SYSTEM AND APPARATUS FOR RENDERING PAYMENT DECISIONS AND TRIGGERING ACTIONS
First Claim
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1. A computer-implemented method for controlling a payment transaction from a payer to a payee comprising:
- submitting a request for payment to a data processing machine, the request for payment including a set of submitted transaction characteristics for the payment transaction; and
comparing, in the data processing machine, at least a portion of the set of submitted transaction characteristics to a set of predetermined transaction characteristics that are specific to the payer to determined a first payment decision for the payment transaction.
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Abstract
A computer-implemented method for controlling a payment transaction from a payer to a payee includes submitting a request for payment to a data processing machine, the request for payment including a set of submitted transaction characteristics for the payment transaction; and comparing, in the data processing machine, at least a portion of the set of submitted transaction characteristics to a set of predetermined transaction characteristics that are specific to the payer to determined a first payment decision for the payment transaction.
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Citations
22 Claims
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1. A computer-implemented method for controlling a payment transaction from a payer to a payee comprising:
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submitting a request for payment to a data processing machine, the request for payment including a set of submitted transaction characteristics for the payment transaction; and comparing, in the data processing machine, at least a portion of the set of submitted transaction characteristics to a set of predetermined transaction characteristics that are specific to the payer to determined a first payment decision for the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computer-implemented method for making a payment decision from a payer to a payee comprising:
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configuring a set of configuration elements for the payer in a transaction control module, the configuration elements including a set of predetermined transaction characteristics, one or more predetermined grouping methods, and one or more predetermined actions each selected from a set of possible transaction characteristics, grouping methods and actions; using a payment system connected to the transaction control module to submit a payment request to the transaction control module, the payment request including a set of submitted transaction characteristics; and wherein the payment control module uses the configuration elements and the set of submitted transaction characteristics to render the payment decision, and communicate the payment decision to at least one of the payer or the payee when the payment decision is a denial. - View Dependent Claims (15, 16)
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17. A system for approving or denying a payment from a payer, comprising:
- a processor; and
a computer storage medium coupled the processor, the computer storage medium storing instructions that cause the processor to execute modules comprising; an administrative control system module, the administrative control system module including a set of transaction characteristics, a set of grouping methods and a set of further actions; a configuration system module configured by an authorized administrator allowed to access the administrative control system module, the configuration system module including a set of predetermined transaction characteristics for the payer, one or more predetermined grouping methods for the payer, and one or more predetermined further actions for the payer; and a payment decision and action creator module connected to the configuration system, the payment decision and action creator module capable of receiving a request to approve or deny the payment, the request including a set of submitted transaction characteristics, the payment decision and action creator module using one or more of the predetermined grouping methods to compare the set of submitted transaction characteristics with the predetermined transaction characteristics for the payer to approve or deny the payment. - View Dependent Claims (18, 19, 20, 21, 22)
- a processor; and
Specification