Techniques for authorization of usage of a payment device
First Claim
1. A method for authorization of usage of a payment device at a merchant, said payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said method comprising the steps of:
- facilitating obtaining said account number in connection with a putative transaction with a terminal of said merchant;
facilitating determining whether said account number is in an active file of said merchant which indicates whether said account number is known to said merchant, using an apparatus intermediate said terminal and said payment processing network;
responsive to said determining step indicating that said account number is not in said active file of said merchant, such that said account number is not known to said merchant;
facilitating said issuer obtaining an authorization message, through said payment processing network, for said account number;
facilitating obtaining an issuer authorization decision;
facilitating checking, using said apparatus, whether said account number is ineligible for said putative transaction, without use of said issuer authorization decision;
responsive to said checking indicating that said account number is not ineligible for said putative transaction, approving said putative transaction, with said apparatus, without use of said issuer authorization decision;
responsive to said issuer authorization decision, facilitating setting a spending limit for said account number;
facilitating conducting subsequent putative transactions for said account number;
facilitating determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and
responsive to said determining that said parameter is reaching said predetermined relationship, facilitating obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number.
1 Assignment
0 Petitions
Accused Products
Abstract
Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.
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Citations
25 Claims
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1. A method for authorization of usage of a payment device at a merchant, said payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said method comprising the steps of:
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facilitating obtaining said account number in connection with a putative transaction with a terminal of said merchant; facilitating determining whether said account number is in an active file of said merchant which indicates whether said account number is known to said merchant, using an apparatus intermediate said terminal and said payment processing network; responsive to said determining step indicating that said account number is not in said active file of said merchant, such that said account number is not known to said merchant; facilitating said issuer obtaining an authorization message, through said payment processing network, for said account number; facilitating obtaining an issuer authorization decision; facilitating checking, using said apparatus, whether said account number is ineligible for said putative transaction, without use of said issuer authorization decision; responsive to said checking indicating that said account number is not ineligible for said putative transaction, approving said putative transaction, with said apparatus, without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitating setting a spending limit for said account number; facilitating conducting subsequent putative transactions for said account number; facilitating determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and responsive to said determining that said parameter is reaching said predetermined relationship, facilitating obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. An apparatus for authorization of usage of a payment device at a merchant, the payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said apparatus comprising:
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a memory; and at least one processor coupled to said memory, said at least one processor being operative to; facilitate obtaining said account number in connection with a putative transaction with a terminal of said merchant, said apparatus being intermediate said terminal and said payment processing network; facilitate determining whether said account number is in an active file of said merchant which indicates whether said account number is known to said merchant, said active file being stored in said memory; responsive to said determining step indicating that said account number is not in said active file of said merchant, such that said account number is not known to said merchant; facilitate said issuer obtaining an authorization message, through the payment processing network, for the account number; facilitate obtaining an issuer authorization decision; facilitate checking whether said account number is ineligible for said putative transaction, without use of said issuer authorization decision; responsive to said checking indicating that said account number is not ineligible for said putative transaction, approve said putative transaction without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitate setting a spending limit for the account number; facilitate conducting subsequent putative transactions for said account number; facilitate determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and responsive to said determining that said parameter is reaching said predetermined relationship, facilitate obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number. - View Dependent Claims (13, 14)
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15. An apparatus for authorization of usage of a payment device in a transit system, the payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said apparatus comprising:
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a fare gate assembly adapted to read the payment device; a payment platform module in communication with said fare gate assembly; and an active file manager in communication with said payment platform module, wherein said payment platform module and said active file manager are cooperatively configured to; facilitate obtaining said account number in connection with a putative transaction with a terminal of said merchant, said apparatus being intermediate the terminal and the payment processing network; facilitate determining whether said account number is in an active file of the merchant which indicates whether said account number is known to the merchant, said active file being stored in association with said active file manager; responsive to said determining step indicating that said account number is not in said active file of the merchant, such that said account number is not known to the merchant; facilitate the issuer obtaining an authorization message, through the payment processing network, for the account number; facilitate obtaining an issuer authorization decision; facilitate checking whether said account number is ineligible for said putative transaction, without use of said issuer authorization decision; responsive to said checking indicating that said account number is not ineligible for said putative transaction, approve said putative transaction without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitate setting a spending limit for the account number; facilitate conducting subsequent putative transactions for said account number; facilitate determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and responsive to said determining that said parameter is reaching said predetermined relationship, facilitate obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22)
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23. A method for authorization of usage of a payment device at a merchant, said payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said method comprising the steps of:
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facilitating obtaining said account number in connection with a putative transaction with a terminal of said merchant; facilitating determining whether said account number is in an active file of said merchant, using an apparatus intermediate said terminal and said payment processing network; responsive to said determining step indicating that said account number is not in said active file of said merchant; facilitating said issuer obtaining an authorization message for a nominal amount, to validate to said merchant an account associated with said account number of said payment device, said issuer obtaining said authorization message through said payment processing network, for said account number; facilitating obtaining an issuer authorization decision; approving said putative transaction, with said apparatus, without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitating setting a spending limit for said account number; facilitating conducting subsequent putative transactions for said account number; facilitating determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and responsive to said determining that said parameter is reaching said predetermined relationship, facilitating obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number; wherein; said spending limit comprises an aggregation limit specifying at least one of; a maximum amount of spending before said new issuer authorization decision is required, a maximum number of presentations of said payment device to said merchant before said new issuer authorization decision is required, and a maximum amount of time before said new issuer authorization decision is required; and said payment device is post-funded in that a financial authorization, clearing, and settlement for said subsequent putative transactions is only conducted once it is determined that said parameter associated with said account is reaching said predetermined relationship with said aggregation limit.
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24. An apparatus for authorization of usage of a payment device at a merchant, the payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said apparatus comprising:
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a memory; and at least one processor coupled to said memory, said at least one processor being operative to; facilitate obtaining said account number in connection with a putative transaction with a terminal of said merchant, said apparatus being intermediate said terminal and said payment processing network; facilitate determining whether said account number is in an active file of said merchant, said active file being stored in said memory; responsive to said determining step indicating that said account number is not in said active file of said merchant; facilitate said issuer obtaining an authorization message for a nominal amount, to validate to said merchant an account associated with said account number of the payment device, said issuer obtaining said authorization message through the payment processing network, for the account number; facilitate obtaining an issuer authorization decision; approve said putative transaction without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitate setting a spending limit for the account number; facilitate conducting subsequent putative transactions for said account number; facilitate determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and responsive to said determining that said parameter is reaching said predetermined relationship, facilitate obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number; wherein; said spending limit comprises an aggregation limit specifying at least one of; a maximum amount of spending before said new issuer authorization decision is required, a maximum number of presentations of said payment device to said merchant before said new issuer authorization decision is required, and a maximum amount of time before said new issuer authorization decision is required; and the payment device is post-funded in that a financial authorization, clearing, and settlement for said subsequent putative transactions is only conducted once it is determined that said parameter associated with said account is reaching said predetermined relationship with said aggregation limit.
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25. An apparatus for authorization of usage of a payment device in a transit system, the payment device having an associated account number and being issued by an issuer coupled to a payment processing network, said apparatus comprising:
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a fare gate assembly adapted to read the payment device; a payment platform module in communication with said fare gate assembly; and an active file manager in communication with said payment platform module, wherein said payment platform module and said active file manager are cooperatively configured to; facilitate obtaining said account number in connection with a putative transaction with a terminal of said merchant, said apparatus being intermediate the terminal and the payment processing network; facilitate determining whether said account number is in an active file of the merchant, said active file being stored in association with said active file manager; responsive to said determining step indicating that said account number is not in said active file of the merchant; facilitate the issuer obtaining an authorization message for a nominal amount, to validate to the merchant an account associated with said account number of the payment device, said issuer obtaining said authorization message through the payment processing network, for the account number; facilitate obtaining an issuer authorization decision; approve said putative transaction without use of said issuer authorization decision; responsive to said issuer authorization decision, facilitate setting a spending limit for the account number; facilitate conducting subsequent putative transactions for said account number; facilitate determining that a parameter associated with said account number is reaching a predetermined relationship with said spending limit; and responsive to said determining that said parameter is reaching said predetermined relationship, facilitate obtaining a new issuer authorization decision to adjust a spendable balance associated with said account number; wherein; said spending limit comprises an aggregation limit specifying at least one of; a maximum amount of spending before said new issuer authorization decision is required, a maximum number of presentations of said payment device to said merchant before said new issuer authorization decision is required, and a maximum amount of time before said new issuer authorization decision is required; and said payment device is post-funded in that a financial authorization, clearing, and settlement for said subsequent putative transactions is only conducted once it is determined that said parameter associated with said account is reaching said predetermined relationship with said aggregation limit.
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Specification