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Electronic purchasing method and apparatus

  • US 8,069,120 B2
  • Filed: 08/04/2009
  • Issued: 11/29/2011
  • Est. Priority Date: 12/07/2001
  • Status: Expired due to Fees
First Claim
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1. A method, comprising:

  • receiving, at an account management computer, an authorization request message, said authorization request message including transaction information identifying a transaction and a payment account code associated with an issuer;

    determining, by said account management computer, that said payment account code is a limited use account code identifying a financial account at said issuer and said limited use account code is a member of a set of limited use account codes associated with a buyer;

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

    transmitting, by said account management computer, an authorization response message, said authorization response message based on a comparison of said preauthorization record with said transaction information and said authorization response message is used to authorize said transaction.

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