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Electronic purchasing method and apparatus for performing the same

  • US 7,584,151 B2
  • Filed: 01/12/2007
  • Issued: 09/01/2009
  • Est. Priority Date: 12/07/2001
  • Status: Expired due to Fees
First Claim
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1. A method for authorizing a transaction, comprising:

  • receiving, at a computer, an authorization request message from a merchant, said authorization request message including information identifying said transaction and a payment account number identifying a payment account at an issuer;

    determining, by said computer, that said payment account number is a limited use account number identifying a financial account at said issuer and selected from a set of limited use account numbers associated with a buyer;

    identifying, by said computer, a pre-authorization record associated with said limited use account number; and

    transmitting, from said computer, an authorization response message to said merchant, said authorization response message based on a result of a comparison of said preauthorization record with said transaction information and used to authorize said transaction.

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