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Method and system for restricting the usage of payment accounts

  • US 7,739,194 B2
  • Filed: 09/10/2007
  • Issued: 06/15/2010
  • Est. Priority Date: 09/28/2000
  • Status: Expired due to Fees
First Claim
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1. One or more non-transient computer readable media having stored thereon a plurality of instructions that, when executed by one or more processors, causes the one or more processors to perform acts including:

  • receiving a request to make a purchase at an on-line merchant using funds from a payment account that is identified in an electronic wallet corresponding to a particular user, wherein the request comprises identification of the payment account;

    obtaining an identity of the on-line merchant;

    identifying restrictions associated with the payment account, wherein the payment account stores information in the electronic wallet that identifies a particular set of one or more additional users that are allowed to add funds to the payment account;

    comparing the restrictions associated with the payment account to the restrictions associated with the identity of the on-line merchant; and

    determining, based on the comparing, whether to allow the purchase to proceed.

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