TRANSACTION NOTIFICATION AND AUTHORIZATION METHOD
First Claim
Patent Images
1. A method for processing a transaction, comprising the steps of:
- receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer'"'"'s account;
determining whether or not the account includes a request for notification to the customer of any transactions;
notifying the customer via a second transmission channel only if the account includes a request for notification of any transactions;
the second transmission channel being distinct from the first transmission channel; and
authorizing the transaction without requiring a response from the customer.
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Abstract
An added level of security is provided for charge 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
23 Claims
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1. A method for processing a transaction, comprising the steps of:
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receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer'"'"'s account; determining whether or not the account includes a request for notification to the customer of any transactions; notifying the customer via a second transmission channel only if the account includes a request for notification of any transactions; the second transmission channel being distinct from the first transmission channel; and authorizing the transaction without requiring a response from the customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of notifying an account owner of an impending transaction to an account associated with the account owner, the method comprising:
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receiving a message, at a remote processing facility, that a transaction has been requested, the message including at least the account number of an account associated with the account owner; substantially immediately upon receiving the message, transmitting through a cellular network to a wireless device associated with the account owner, a notification that the transaction has been requested, the notification including sufficient information about the transaction to enable the account owner to take countermeasure steps if the transaction is not to be approved; and responding to the message by transmitting a response as to whether countermeasure steps have been taken in response to the notification. - View Dependent Claims (11, 12, 13)
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14. A method for processing a transaction, comprising the steps of:
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a. receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer'"'"'s account; b. determining if the account includes a request for notification to the customer of any transactions; c. sending a notification to the customer via a second transmission channel only if the account includes a request for notification of at least one form of transaction; d. the second transmission channel being distinct from the first transmission channel; e. receiving a response to the notification; and f. authorizing the transaction only if the response is proper. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23)
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Specification