Mobile phone charge card notification and authorization method
DCFirst Claim
Patent Images
1. A payment authorization method, which comprises:
- gathering, at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase;
transmitting an authorization request to a financial authorization system requesting payment authorization for the customer'"'"'s purchase via a first transmission channel;
notifying the customer that the authorization request has been received by transmitting, via a second transmission channel independent of and separate from the first transmission channel between the merchant'"'"'s and the financial institution, a notification to a communications device associated with the customer; and
processing the transaction for payment authorization substantially without requiring a direct communications link between the communications device associated with the customer and the merchant'"'"'s and substantially without requiring a response to the notification from the communications device associated with the customer.
1 Assignment
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Accused Products
Abstract
An added level of security is added to charge card transactions. Upon presenting a credit card for a purchase, for example, the cardholder receives a message on his cell phone that a charge authorization request has been received. The cardholder may also be prompted to reply with a password or a PIN, so as to add a second security authorization.
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Citations
4 Claims
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1. A payment authorization method, which comprises:
- gathering, at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase;
transmitting an authorization request to a financial authorization system requesting payment authorization for the customer'"'"'s purchase via a first transmission channel; notifying the customer that the authorization request has been received by transmitting, via a second transmission channel independent of and separate from the first transmission channel between the merchant'"'"'s and the financial institution, a notification to a communications device associated with the customer; and processing the transaction for payment authorization substantially without requiring a direct communications link between the communications device associated with the customer and the merchant'"'"'s and substantially without requiring a response to the notification from the communications device associated with the customer. - View Dependent Claims (2)
- gathering, at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase;
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3. In a charge card payment authorization method, wherein a charge is requested at a merchant'"'"'s, account information for payment of a customer'"'"'s purchase is acquired at the merchant'"'"'s, an authorization request is transmitted from a terminal associated with the merchant'"'"'s to a remote charge processing facility, and the charge request is processed, the improvement which comprises:
- processing the charge request substantially exclusively through communication between the merchant'"'"'s and the remote processing facility and substantially without requiring activity on the part of the customer, and transmitting a notification of the charge request to a wireless device associated with the customer no later than immediately after authorizing the charge request.
- View Dependent Claims (4)
Specification