Transaction authorisation system
First Claim
1. A computer-implemented transaction authorisation system which includesa server having an account status database having a record of a status of at least one bank account, said status designating the bank account as either enabled or disabled independent of whether the bank account is in good standing;
- an account holder interface connectable to the account status database which provides an account holder with an account status altering facility for allowing the account holder to change the designated status of the bank account.
1 Assignment
0 Petitions
Accused Products
Abstract
A transaction authorization system (200) includes a client terminal (20) in the form of a computer (22) running a network browser. The computer (22) is connected to the internet (24). The system (200) also includes an account administration server (26) which is connected to the internet (24) and which hosts a web server which may be accessed by the network browser running on the computer (22). The system (200) further includes an account database (30) which stores a record of the status (i.e. disabled or enabled) of an electronic on line bank account. The system (200) is configured to enable a user, via the computer (22), to set the status of the account in the database (30). When a transaction request is issued to a merchant (201) the authorizing institution is able to interrogate the database (30) to determine the status of the account and thereby to authorize or decline the transaction.
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Citations
26 Claims
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1. A computer-implemented transaction authorisation system which includes
a server having an account status database having a record of a status of at least one bank account, said status designating the bank account as either enabled or disabled independent of whether the bank account is in good standing; an account holder interface connectable to the account status database which provides an account holder with an account status altering facility for allowing the account holder to change the designated status of the bank account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 25)
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16. A computer-implemented system comprising:
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a first server having a client-server module providing an account holder interface having an account status altering facility, for allowing an account holder, operating a client terminal, to submit instructions to the first server to alter a status of a bank account, the bank account having a selectively enabled or disabled status independent of whether the bank account is in good standing; an account status altering module for altering the bank account status on the basis of instructions received from the account client-server module; and a first database interface for logging the status of the bank account, on an account status database. - View Dependent Claims (17, 18)
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19. A computer-implemented method of authorising a transaction, the method including
selectively designating a bank account status as enabled or disabled independent of whether the bank account is in good standing, on an instruction of an account holder issued from a remote device, thereby to selectively authorise transactions performed using the bank account; - and
recording the status of the bank account in an account status database on a server. - View Dependent Claims (20, 21, 22, 23, 24, 26)
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Specification