Methods and systems for managing transaction card accounts enabled for use with particular categories of providers and/or goods/services
First Claim
1. A computer-implemented method, the method comprising:
- receiving, by a computer of a card issuer from a point-of-sale terminal of a merchant, transaction data associated with a transaction from a transaction card of a cardholder, wherein the transaction data comprises an identification of a category of a product associated with the transaction;
receiving, by the computer of the card issuer from the point-of-sale terminal of the merchant, the transaction data through a card association network for the transaction card, the transaction data comprising the identification of the category of the product;
comparing, by the computer of the card issuer, the identification of the category of the product to a pre-qualified category of products associated with the transaction card of the cardholder;
transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a health care transaction when the product is categorized in a pre-qualified health care category, and approving, by the card issuer, the transaction as the health care transaction; and
transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a general transaction when the product is not categorized in a pre-qualified health care category, and approving, by the card issuer, the transaction request as the general transaction.
2 Assignments
0 Petitions
Accused Products
Abstract
A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.
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Citations
20 Claims
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1. A computer-implemented method, the method comprising:
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receiving, by a computer of a card issuer from a point-of-sale terminal of a merchant, transaction data associated with a transaction from a transaction card of a cardholder, wherein the transaction data comprises an identification of a category of a product associated with the transaction; receiving, by the computer of the card issuer from the point-of-sale terminal of the merchant, the transaction data through a card association network for the transaction card, the transaction data comprising the identification of the category of the product; comparing, by the computer of the card issuer, the identification of the category of the product to a pre-qualified category of products associated with the transaction card of the cardholder; transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a health care transaction when the product is categorized in a pre-qualified health care category, and approving, by the card issuer, the transaction as the health care transaction; and transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a general transaction when the product is not categorized in a pre-qualified health care category, and approving, by the card issuer, the transaction request as the general transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer-implemented method, the method comprising:
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receiving, by a computer of a card issuer from a point-of-sale terminal of a merchant, transaction data associated with a transaction from a transaction card of a cardholder, wherein the transaction data comprises an identification of a category of a service; receiving, by the computer of the card issuer from the point-of-sale terminal of the merchant, the transaction data through a card association network for the transaction card, the transaction data comprising the identification of the category of the service; comparing, by the computer of the card issuer, the identification of the category of the service to a pre-qualified category of services associated with the transaction card of the cardholder; transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a health care transaction when the service is categorized in a pre-qualified health care category and approving, by the card issuer, the transaction as the health care transaction; and transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a general transaction when the service is not categorized in a pre-qualified health care category, and approving, by the card issuer, the transaction as the general transaction. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification