Commerce Card System And Method Of Using Same
First Claim
1. A method of authorizing a transaction, comprising:
- receiving, by a transaction processing device over a network, information relating to a transaction and a commerce card sent by a transaction device;
receiving, by the transaction processing device over a network, information sent from a mobile device associated with the commerce card; and
authorizing, by the transaction processing device, the transaction based on the information received from the transaction device and the information received from the mobile device.
7 Assignments
0 Petitions
Accused Products
Abstract
A system and method for authorizing a transaction that includes a transaction device configured to send over a network information relating to a transaction and a commerce card and a transaction processing device configured to receive over the network the information sent by the transaction device and information sent from a mobile device associated with the commerce card. The transaction processing device is configured to authorize the transaction based on the information received from the transaction device and the information received from the mobile device. The transaction processing device can also authorize the transaction at last in part on criteria associated with the commerce card.
15 Citations
58 Claims
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1. A method of authorizing a transaction, comprising:
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receiving, by a transaction processing device over a network, information relating to a transaction and a commerce card sent by a transaction device; receiving, by the transaction processing device over a network, information sent from a mobile device associated with the commerce card; and authorizing, by the transaction processing device, the transaction based on the information received from the transaction device and the information received from the mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for authorizing a transaction, comprising:
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a transaction device configured to send over a network information relating to a transaction and a commerce card; a transaction processing device configured to receive over the network the information sent by the transaction device and information sent from a mobile device associated with the commerce card, wherein the transaction processing device is configured to authorize the transaction based on the information received from the transaction device and the information received from the mobile device. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method of authorizing a transaction, comprising:
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receiving, by a transaction processing device over a network, information relating to a transaction and a commerce card sent by a transaction device; authorizing, by the transaction processing device, the transaction based on the information sent by the transaction device and based at least in part on criteria associated with the commerce card, wherein the criteria associated with the commerce card includes at least one of; allowed geographical area(s); allowed geographical area type(s); allowed merchant(s); allowed merchant type(s); allowed merchant store(s); allowed merchant store type(s); allowed time period(s); allowed products or service(s); allowed type(s) or brand(s) of good(s) or service(s); past transactions involving the commerce card; and information related to the transaction from an external source. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A system for authorizing a transaction, comprising:
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a transaction device configured to send over a network information relating to a transaction and a commerce card; a transaction processing device configured to receive the information sent by the transaction device and configured to authorize the transaction based on the informing sent by the transaction device and based at least in part on criteria associated with the commerce card, wherein the criteria associated with the commerce card includes at least one of; allowed geographical area(s); allowed geographical area type(s); allowed merchant(s); allowed merchant type(s); allowed merchant store(s); allowed merchant store type(s); allowed time period(s); allowed products or service(s); allowed type(s) or brand(s) of good(s) or service(s); past transactions involving the commerce card; and information related to the transaction from an external source. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58)
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Specification