Authorization verification system
First Claim
1. A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer, the system comprising:
- an acquirer server in communication with an issuer server, the communication occurring through a data control center;
a remote merchant terminal located with the merchant and in communication with the acquirer, the merchant terminal configured to forward the transaction amount and user data the card contains through communication with the acquirer server, and in turn, to the data control center for authorization;
the data control center to assign an identification code representative of the transaction to the transaction and to forward the identification code, the transaction amount, and the user data to the issuer server for inclusion in records of the transaction; and
the issuer server for initiating a portable communications device communication to the user at a portable communications device the user has previously identified to the issuer.
2 Assignments
0 Petitions
Accused Products
Abstract
A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer. The system includes an acquirer server in communication with an issuer server through communication with a data control center. A remote terminal, located with the merchant, is in communication with the acquirer. The terminal is configured to forward the transaction amount and user data the card contains through communication with the acquirer, and in turn, to the data control center for authorization. The data control center assigns an identification code to the transaction and forwards the identification code, the transaction amount, and the user data to the issuer for inclusion in records of the transaction. The issuer server initiates a portable communications device communication to the user at a portable communications device.
23 Citations
20 Claims
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1. A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer, the system comprising:
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an acquirer server in communication with an issuer server, the communication occurring through a data control center; a remote merchant terminal located with the merchant and in communication with the acquirer, the merchant terminal configured to forward the transaction amount and user data the card contains through communication with the acquirer server, and in turn, to the data control center for authorization; the data control center to assign an identification code representative of the transaction to the transaction and to forward the identification code, the transaction amount, and the user data to the issuer server for inclusion in records of the transaction; and the issuer server for initiating a portable communications device communication to the user at a portable communications device the user has previously identified to the issuer. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer, the system comprising:
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an issuer server, having resident upon it user information for evaluating a transaction, the user information including a portable communications device number the user for purposes of authorization of transactions; a data control center for receiving information regarding authorizing the transaction from a merchant terminal, the information including a user identifier information, merchant identification information, and a transaction amount, the data control center assigning a unique identification code to the transaction, upon receipt, which the data control center communicates to the issuer server for authorization; and a portable communications device communications link for communicating a request to the portable communications device at the portable communications device number, the request configured to inform the user of the merchant identification information and the amount and including an initiation to authorize the transaction. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
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15. In a transaction card payment system including a transaction card carrying cardholder identification data, a terminal located at a point of the transaction for reading the cardholder identification data and associating that data with a transaction amount, an issuer server maintained by an issuer of the transaction cards having cardholder data including a portable communications device number a user has designated and for evaluating transactions based upon the cardholder data and the transaction amount, and a data control center connected between a remote terminal means and the issuer, a method for generating an authorization record reflecting user authorization, the method comprising:
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forwarding the cardholder identification data and transaction amount to the data control center; forwarding the transaction amount and a unique identification code from the data control center to the issuer server; transmitting a request to the portable communications device number based upon the transaction amount and an identity of a merchant; creating an authorization record including information relative to the transmitted request in association with the unique identification code to create an authorization record; and forwarding the authorization record to the data control center to effect authorization of the transaction. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification