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CODE, METHODS, AND SYSTEMS FOR MONITORING, AUTHORIZING AND REJECTING ELECTRONIC FINANCIAL TRANSACTIONS AND CREDIT INQUIRIES

  • US 20180330372A1
  • Filed: 05/14/2018
  • Published: 11/15/2018
  • Est. Priority Date: 05/15/2017
  • Status: Abandoned Application
First Claim
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1. A non-transitory computer readable medium storing computer readable program code which when executed on a server is configured for monitoring, authorizing and rejecting electronic financial transactions associated with a user payment card comprising:

  • receiving from a remote computing device a plurality of user data for a user and storing the user data in a user record in an attached database, the attached database configured for storing a plurality of user records;

    determining payment card data associated with the user payment card and storing the payment card data in the corresponding user record;

    integrating with at least a first financial network associated with the payment card data such that at least the first financial network sends a financial network request for user authorization for each initiated financial transaction received by at least the first financial network;

    receiving, in real time, from at least the first financial network the financial network request for user authorization for each initiated financial transaction from at least the first financial network;

    determining, in real time, the user record associated with the financial network request for user authorization received;

    displaying, in real time, on the remote computing device of the user a first graphical user interface (GUI) requesting a user approval of the initiated financial transaction associated with the financial network request for user authorization;

    receiving in real time a plurality of first input data from the user received at the remote computing device, wherein the first input data corresponds to at least one of a financial transaction authorization message and a financial transaction denial message for the initiated financial transaction; and

    ,transmitting, in real time, to at least the first financial network associated with the financial network request for user authorization received, at least one of the financial transaction authorization message and the financial transaction denial message for the initiated financial transaction.

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