System and method for delegating management of a financial transaction account to a designated assistant
First Claim
1. A method, comprising:
- enabling, by a computer based system for delegating authorization, a first transaction account holder to delegate management of transaction account data associated with a transaction account to a second user, wherein the first transaction account holder has transaction account usage authorization and the second user does not have transaction account usage authorization;
accepting, by the computer based system, a transaction account data access designation of the second user from the first transaction account holder;
enabling, by the computer based system, review of transaction account usage data, based on the designation; and
enabling, by the computer based system, inquiries of a transaction account issuer regarding transaction account usage data, based on the designation.
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Accused Products
Abstract
Systems, methods and computer program products for enabling a holder of a transaction account linked to a financial transaction instrument to delegate management of the transaction account to an assistant. Information relating to the transaction account, including at least identification information relating to the holder of the transaction account, is stored in a database. The database stores financial transaction data relating to financial transactions performed using the financial transaction instrument. A designation of at least one assistant to manage the transaction account on behalf of the holder is accepted and stored. Assistant management authentication data associated with the transaction account is established, to be used by the assistant to execute management instructions at a designated level of management access. An instruction from the assistant is accepted to access transaction data associated with the transaction account.
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Citations
20 Claims
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1. A method, comprising:
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enabling, by a computer based system for delegating authorization, a first transaction account holder to delegate management of transaction account data associated with a transaction account to a second user, wherein the first transaction account holder has transaction account usage authorization and the second user does not have transaction account usage authorization; accepting, by the computer based system, a transaction account data access designation of the second user from the first transaction account holder; enabling, by the computer based system, review of transaction account usage data, based on the designation; and enabling, by the computer based system, inquiries of a transaction account issuer regarding transaction account usage data, based on the designation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer based system, comprising:
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a computer network communicating with a memory; the memory communicating with a processor; and the processor, when executing a computer program for delegating authorization, is configured to; enable a first transaction account holder to delegate management of transaction account data associated with a transaction account to a second user, wherein the first transaction account holder has transaction account usage authorization and the second user does not have transaction account usage authorization; accept a transaction account data access designation of the second user from the first transaction account holder; enable review of transaction account usage data, based on the designation; and enable inquiries of a transaction account issuer regarding transaction account usage data, based on the designation. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A non-transitory computer readable medium having stored thereon sequences of instruction, the sequences of instruction including instruction which, when executed by a computer-based system for delegating authorization, causes the computer based system to perform operations comprising:
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enabling, by the computer based system, a first transaction account holder to delegate management of transaction account data associated with a transaction account to a second user, wherein the first transaction account holder has transaction account usage authorization and the second user does not have transaction account usage authorization; accepting, by the computer based system, a transaction account data access designation of the second user from the first transaction account holder; enabling, by the computer based system, review of transaction account usage data, based on the designation; and enabling, by the computer based system, inquiries of a transaction account issuer regarding transaction account usage data, based on the designation.
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Specification