Method and system for manual authorization

• US 7,909,240 B2
• Filed: 12/15/2009
• Issued: 03/22/2011
• Est. Priority Date: 03/16/2004
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Nelson, David O.
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US12/638,798
• Publication Number:
  US 20100153271A1
• Time in Patent Office: 462 Days
• Field of Search: 235/375, 235/376, 235/379, 235/380, 705 39- 41
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Embodiments provide systems, apparatus, methods, computer program code, and means for performing manual authorizations.

Claims

1. A computer-based method, comprising:

in response to a first authorization request being declined for a first purchase transaction for failing to comply with at least one of an account-level and a corporate-level use restriction associated with a transaction account, identifying, by an authorization computer, a first authorization request associated with a transaction account;

creating, by said computer and in response to said declined first authorization request, a manual authorization record for said first purchase transaction based on information associated with or resulting from said first authorization request; and

,

temporarily overriding, by said computer, said at least one of an account-level and a corporate-level use restriction;

matching, by said computer, at least a portion of information from said first authorization request with a second authorization request; and

in response to said matching, allowing, by said computer, approval of a second authorization request involving said transaction account and a second purchase transaction that complies with terms of said manual authorization record.

2. The method of claim 1, wherein said transaction account is associated with at least one of a transaction account number, charge card, credit card, debit card, corporate account, corporate transaction card, and purchasing card.

3. The method of claim 1, wherein said transaction account is issued to a purchasing entity.

4. The method of claim 1, wherein said transaction account is issued to a purchasing entity having a program administrator.

5. The method of claim 1, wherein said manual authorization record is created in response to a request by an authorized party.

6. The method of claim 1, wherein said manual authorization record is created in response to a request by an authorized party, wherein said authorized party is associated with a purchasing entity, and wherein said transaction account is issued to said purchasing entity.

7. The method of claim 1, wherein said transaction account is issued to a purchasing entity having a program administrator and wherein said manual authorization record is created in response to a request by said program administrator.

8. The method of claim 1, wherein said transaction account is associated with at least one of merchant category code (MCC), account-level, a corporate-level, and standard industrial code (SIC) authorization controls.

9. The method of claim 8, wherein said first authorization request is declined based on a failure of said first purchase transaction to comply with at least one of said MCC, said account-level, said corporate-level, and said SIC authorization controls associated with said transaction account.

10. The method of claim 8, wherein said manual authorization record operates to override at least one of said MCC, said account-level, said corporate-level, and said SIC authorization controls associated with said transaction account.

11. A system, comprising:

a network interface communicating with a memory;

the memory communicating with an authorization processor; and

the processor, when executing a computer program, is configured to;

in response to a first authorization request being declined for a first purchase transaction for failing to comply with at least one of an account-level and a corporate-level use restriction associated with a transaction account, identifying, by said processor, a first authorization request associated with a transaction account;

creating, by said processor and in response to said declined first authorization request, a manual authorization record for said first purchase transaction based on information associated with or resulting from said first authorization request; and

,

temporarily overriding, by said processor, said at least one of an account-level and a corporate-level use restriction;

matching, by said processor, at least a portion of information from said first authorization request with a second authorization request; and

allowing, by said processor and in response to said matching, approval of a second authorization request involving said transaction account and a second purchase transaction that complies with terms of said manual authorization record.

12. The system of claim 11, wherein said transaction account is associated with at least one of a transaction account number, charge card, credit card, debit card, corporate account, corporate transaction card, and purchasing card.

13. The system of claim 11, wherein said transaction account is issued to a purchasing entity.

14. The system of claim 11, wherein said transaction account is associated with at least one of a merchant category code (MCC), account-level, corporate-level, and standard industrial code (SIC) authorization controls.

15. The system of claim 14, wherein said first authorization request is declined based on a failure of said prior first purchase transaction to comply with said at least one of MCC, account-level, corporate-level, and SIC authorization control.

16. A non-transitory computer-readable storage medium having computer-executable instructions stored thereon that, if executed by an authorization computer, cause said computer to perform operations comprising:

in response to a first authorization request being declined for a first purchase transaction for failing to comply with at least one of an account-level and a corporate-level use restriction associated with a transaction account, identifying, by said computer, a first authorization request associated with a transaction account;

creating, by said computer, and in response to said declined first authorization request, a manual authorization record for said first purchase transaction based on information associated with or resulting from said first authorization request; and

,

temporarily overriding, by said computer, said at least one of an account-level and a corporate-level use restriction;

matching, by said computer, at least a portion of information from said first authorization request with a second authorization request; and

allowing, by said computer and in response to said matching, approval of a second authorization request involving said transaction account and a second purchase transaction that complies with terms of said manual authorization record.

17. The medium of claim 16, wherein said transaction account is associated with at least one of a transaction account number, charge card, credit card, debit card, corporate account, corporate transaction card, and purchasing card.

18. The medium of claim 16, wherein said transaction account is issued to a purchasing entity.

19. The medium of claim 16, wherein said transaction account is associated with at least one of merchant category code (MCC), account-level, a corporate-level, and standard industrial code (SIC) authorization controls.

20. The medium of claim 19, wherein said first authorization request is declined based on a failure of said first purchase transaction to comply with at least one of said MCC, said account-level, said corporate-level, and said SIC authorization controls associated with said transaction account.