Method and system for authorizing card account transactions by geographic region
First Claim
Patent Images
1. A method for authorizing card account transactions by geographic region comprising:
- receiving, at a card association system, an authorization request, wherein the authorization request comprises merchant location data associated with a merchant and card account data;
receiving, after the authorization request, at the card association system, an authorization status change associated with a geographic region that includes a merchant location associated with the merchant location data, wherein the authorization status change is received via a user interface, the user interface operable to display a plurality of geographic regions and a plurality of merchant locations and receive a selection of authorized geographic regions or merchant locations;
transmitting, after receiving the authorization status change and before requesting settlement, an alert to a user device to inform the user when the user is attempting a transaction at a location of a particular authorization status, the authorization status comprising at least one of;
authorized and restricted;
requesting, after receiving the authorization status change, settlement of the authorization request from a card issuer system; and
transmitting settlement details, including a settlement response, to a merchant system associated with the merchant.
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Abstract
A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.
15 Citations
18 Claims
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1. A method for authorizing card account transactions by geographic region comprising:
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receiving, at a card association system, an authorization request, wherein the authorization request comprises merchant location data associated with a merchant and card account data; receiving, after the authorization request, at the card association system, an authorization status change associated with a geographic region that includes a merchant location associated with the merchant location data, wherein the authorization status change is received via a user interface, the user interface operable to display a plurality of geographic regions and a plurality of merchant locations and receive a selection of authorized geographic regions or merchant locations; transmitting, after receiving the authorization status change and before requesting settlement, an alert to a user device to inform the user when the user is attempting a transaction at a location of a particular authorization status, the authorization status comprising at least one of;
authorized and restricted;requesting, after receiving the authorization status change, settlement of the authorization request from a card issuer system; and transmitting settlement details, including a settlement response, to a merchant system associated with the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for authorizing card account transactions by geographic region comprising:
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a processing module to receive, via a network and at a card association system, an authorization request, wherein the authorization request comprises merchant location data associated with a merchant and card account data; a user interface communication module to receive, after the authorization request, via a network and at the card association system, an authorization status change associated with a geographic region that includes a merchant location associated with the merchant location data, wherein the authorization status change is transmitted over the network from input received via a user interface, the user interface operable to display a plurality of geographic regions and a plurality of merchant locations and receive a selection of authorized geographic regions or merchant locations; an alert module to transmit, after receiving the authorization status change and before requesting settlement, an alert to a user device to inform the user when the user is attempting a transaction at a location of a particular authorization status, the authorization status comprising at least one of;
authorized and restricted; anda transaction processing module to request, after receiving the authorization status change, settlement of the authorization request from a card issuer system over a network; wherein the alert module to transmits settlement details, via a network, including a settlement response, to a merchant system associated with the merchant. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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Specification