System and method for interactive secure dialog between card holder and issuer
First Claim
1. A computer implemented system for facilitating secure dialog between a card holder and a card provider via a network, comprising:
- a card provider server including a database of information having a plurality of card holder accounts data, the account data including at least a card holder status, the card provider server configured to manipulate the database;
a computer network;
a remote card holder interface for providing card holder access to the network;
a card provider virtual agent for communicating with the card holder interface and the card provider server to facilitate authorization of transactions; and
a merchant processing system for communicating with the card holder interface and the card provider server, the merchant processing system for receiving a transaction request from the card holder interface, sending a transaction authorization request to the card provider server, and receiving a transaction authorization notice from the card provider server, the transaction authorization notice comprising an approval notice or a denial notice from the card provider server,wherein, in response to a denial notice from the card provider server, the merchant processing system provides a notification, in accordance with the transaction authorization notice, to the card holder interface, and the notification includes a linking means configured to enable the card holder to establish communication with the virtual agent through the card holder interface regarding the denied transaction request by selecting the linking means, which selection transmits information relating to the customer and the denied transaction to the virtual agent.
3 Assignments
0 Petitions
Accused Products
Abstract
A computer implemented method and apparatus for ensuring secured dialog between a card holder and a card provider via a network is provided. The system facilitates real-time communicate between a card provider virtual agent and a card holder using a card holder interface operating via a network. In a typical arrangement, the card holder requests completion of a transaction from a merchant system via a network. The upon receiving notification that the transaction request has been denied by the card provider system, the card holder is provided real-time access to the card provider virtual agent. The virtual agent may then send a transaction approval code to the card provider system overriding any transaction denial and permitting the card holder to resubmit the transaction request to the merchant system for subsequent approval.
55 Citations
18 Claims
-
1. A computer implemented system for facilitating secure dialog between a card holder and a card provider via a network, comprising:
-
a card provider server including a database of information having a plurality of card holder accounts data, the account data including at least a card holder status, the card provider server configured to manipulate the database; a computer network; a remote card holder interface for providing card holder access to the network; a card provider virtual agent for communicating with the card holder interface and the card provider server to facilitate authorization of transactions; and a merchant processing system for communicating with the card holder interface and the card provider server, the merchant processing system for receiving a transaction request from the card holder interface, sending a transaction authorization request to the card provider server, and receiving a transaction authorization notice from the card provider server, the transaction authorization notice comprising an approval notice or a denial notice from the card provider server, wherein, in response to a denial notice from the card provider server, the merchant processing system provides a notification, in accordance with the transaction authorization notice, to the card holder interface, and the notification includes a linking means configured to enable the card holder to establish communication with the virtual agent through the card holder interface regarding the denied transaction request by selecting the linking means, which selection transmits information relating to the customer and the denied transaction to the virtual agent. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A computer implemented method for facilitating secure dialog between a card holder and a card provider via a network, comprising:
-
accepting a transaction request from a card holder interface at a merchant transaction processing system via a network; requesting a card provider server to provide a transaction authorization of the transaction request; receiving a transaction authorization notice from the card provider server in response to the transaction authorization request, wherein the transaction authorization notice comprises an approval notice or a denial notice; sending to the card holder interface, in response to a denial notice, a notification in accordance with the transaction authorization notice, the notification including a means for enabling the card holder to establish communication with the virtual agent via the network regarding the denied transaction request by selecting the linking means, which selection transmits information relating to the customer and the denied transaction to the virtual agent. - View Dependent Claims (10, 11, 12, 17, 18)
-
-
13. A computer implemented method of facilitating approval of a transaction using a secured dialog system allowing communication between a card holder and a card provider via a network, comprising:
-
receiving a first transaction request at a merchant transaction processing system via a network; requesting from a card provider server a transaction authorization of the first transaction request; receiving a transaction authorization notice from the card provider server in response to the first transaction authorization request; providing, to a card holder interface, the transaction authorization notice, wherein the transaction authorization notice comprises an approval notice or a denial notice; providing to the card holder interface, in response to a denial notice, a means for enabling the card holder to establish communication with a card provider virtual agent via the network, regarding the denied transaction request by selecting the linking means, which selection transmits information relating to the customer and the denied transaction to the virtual agent, the virtual agent configured to provide a transaction authorization code to the card provider server; receiving the transaction authorization code at the card provider server, the transaction code establishing a transaction approval status or a transaction denial status for a card holder account; receiving a second transaction request from the merchant transaction processing system re-requesting a transaction authorization notice from the card provider server; and approving the transaction request, and forwarding a transaction request approval notice from the card provider server. - View Dependent Claims (14, 15, 16)
-
Specification