Method and system for completing transactions involving partial shipments
First Claim
Patent Images
1. A method, comprising:
- receiving using a computer, at a financial account issuer, an initial authorization request, said initial authorization request including transaction information identifying a transaction including merchant information, an account identifier corresponding to a said financial account, and a transaction amount;
identifying, using said computer, a pre-authorization record associated with said account identifier and corresponding to a predetermined purchase transaction;
determining, using said computer, that said transaction information complies with authorization criteria including a pre-authorized amount in said pre-authorization record and said merchant information related to a merchant;
facilitating, using said computer, communicating an authorization message from said financial account issuer to said merchant;
determining, using said computer, based on said transaction information, that said transaction involves a partial shipment; and
,in response to said transaction involving said partial shipment;
calculating, using said computer, a new pre-authorized amount based upon a predetermined rule comprising reducing said pre-authorized amount by at least a portion of said transaction amount;
using said computer, at least one of;
updating said pre-authorization record with said new pre-authorized amount or creating a new pre-authorization record comprising said new pre-authorized amount.
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Abstract
Embodiments provide systems, apparatus, methods, computer program code, and means for completing transactions involving partial shipments.
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Citations
23 Claims
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1. A method, comprising:
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receiving using a computer, at a financial account issuer, an initial authorization request, said initial authorization request including transaction information identifying a transaction including merchant information, an account identifier corresponding to a said financial account, and a transaction amount; identifying, using said computer, a pre-authorization record associated with said account identifier and corresponding to a predetermined purchase transaction; determining, using said computer, that said transaction information complies with authorization criteria including a pre-authorized amount in said pre-authorization record and said merchant information related to a merchant; facilitating, using said computer, communicating an authorization message from said financial account issuer to said merchant; determining, using said computer, based on said transaction information, that said transaction involves a partial shipment; and
,in response to said transaction involving said partial shipment; calculating, using said computer, a new pre-authorized amount based upon a predetermined rule comprising reducing said pre-authorized amount by at least a portion of said transaction amount; using said computer, at least one of;
updating said pre-authorization record with said new pre-authorized amount or creating a new pre-authorization record comprising said new pre-authorized amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 22)
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20. An apparatus, comprising:
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a processor; a communication device, receiving, at a financial account issuer, an initial authorization request from a merchant; and a memory in operative communication with said processor, said memory for storing a plurality of processing instructions enabling said processor to; identify a pre-authorization record associated with said account identifier and corresponding to a predetermined purchase transaction; determine that said transaction information complies with authorization criteria including a pre-authorized amount in said pre-authorization record and said merchant information related to a merchant; cause an authorization message to be transmitted from said financial account issuer to said merchant; determine, based on said transaction information, that said transaction involves a partial shipment; and
,in response to said transaction involving said partial shipment; calculate, using said computer, a new pre-authorized amount based upon a predetermined rule comprising said pre-authorized amount reduced by at least a portion of said transaction amount; at least one of;
update said pre-authorization record or create a new pre-authorization record to include said new pre-authorized amount.
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21. A computer readable medium encoded with processing instructions for implementing a method, performed by a computer, said method comprising:
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receiving at a financial account issuer, an initial authorization request, said initial authorization request including transaction information identifying a transaction including merchant information, an account identifier corresponding to a said financial account, and a transaction amount; identifying a pre-authorization record associated with said account identifier and corresponding to a predetermined purchase transaction; determining that said transaction information complies with authorization criteria including a pre-authorized amount in said pre-authorization record and said merchant information related to a merchant; facilitating communicating an authorization message from said financial account issuer to said merchant; determining, based on said transaction information, that said transaction involves a partial shipment; and
,in response to said transaction involving said partial shipment; calculating a new pre-authorized amount based upon a predetermined rule comprising said pre-authorized amount reduced by at least a portion of said transaction amount; and at least one of;
updating said pre-authorization record with said new pre-authorized amount or creating a new pre-authorization record to include said new pre-authorized amount.
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23. A method, comprising:
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receiving, at a financial account issuer computer, a pre-authorization request from a client, wherein said pre-authorization request comprises merchant information, an account identifier corresponding to a financial account associated with said client and issued by said financial account issuer, and a pre-approval amount request; creating, using said computer, a pre-authorization record corresponding to said pre-authorization request, wherein said pre-authorization record comprises authorization criteria comprising said account identifier corresponding to said financial account, merchant information and a pre-authorized amount; receiving, using said computer, an initial authorization request from a merchant, said initial authorization request including transaction information identifying a transaction including merchant information, said account identifier corresponding to said financial account, and a transaction amount; matching, using said computer, said pre-authorization record with said initial authorization request; determining, using said computer, that said transaction amount complies with said authorization criteria; transmitting, using said computer, an authorization message to said merchant; determining, using said computer, based on said transaction information and said pre-authorization record, that said transaction involves a partial shipment;
in response to said transaction involving said partial shipment;calculating, using said computer, a new pre-authorized amount based upon a predetermined rule comprising reducing said pre-authorized amount by at least a portion of said transaction amount; and
,using said computer, at least one of;
updating said pre-authorization record or creating a new pre-authorization record in response to said transaction involving said partial shipment.
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Specification