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Methods and systems for managing transaction card accounts enabled for use with particular categories of providers and/or goods/services

  • US 9,230,253 B2
  • Filed: 09/15/2014
  • Issued: 01/05/2016
  • Est. Priority Date: 11/02/2007
  • Status: Active Grant
First Claim
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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.

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