Payment authorization prompting categorization
First Claim
1. A system for prompting categorization during payment authorization of a transaction being conducted by a user, the system comprising:
- a computer apparatus including a processor and a memory;
one or more proximity marker devices located inside a facility, the one or more proximity marker devices being configured to transmit a wireless proximity signal; and
a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;
track the user'"'"'s location using GPS coordinates provided by the mobile device when the user is located outside the facility;
transmit the wireless proximity signal using the one or more proximity marker devices, wherein the wireless proximity signal is configured to be received by a positioning system device of the mobile device;
determine the user'"'"'s location when the user is located inside the facility based on receiving a response signal from the user mobile device indicating receipt of the wireless proximity signal of the one or more proximity marker devices;
access a categorization database;
determine a time of day;
using the categorization database, determine that the user'"'"'s location is associated with a plurality of categories for the determined time of day, wherein the plurality of categories are determined based on at least the response signal from the user mobile device;
suggest the plurality of categories based on the user'"'"'s location and the determined time of day;
prompt the user to categorize at least one component of the transaction;
receive a category from the user for the at least one component of the transaction;
receive instructions, from the mobile device, to process the transaction and associate the received category with the at least one component of the transaction;
in response to the instructions from the mobile device, initiate storing the category in association with the at least one component of the transaction in a categorization database; and
in response to the instructions from the mobile device, process the transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, methods, and computer program products are provided for prompting categorization during payment authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor receive an authorization request for a transaction being conducted by a user; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; and store the category in association with the transaction. In some embodiments, the system will not authorize the transaction until the user categorizes at least one component of the transaction. In further embodiments, the system evaluates the transaction and only prompts the user to categorize the transaction if predefined criteria are met.
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Citations
21 Claims
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1. A system for prompting categorization during payment authorization of a transaction being conducted by a user, the system comprising:
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a computer apparatus including a processor and a memory; one or more proximity marker devices located inside a facility, the one or more proximity marker devices being configured to transmit a wireless proximity signal; and a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to; track the user'"'"'s location using GPS coordinates provided by the mobile device when the user is located outside the facility; transmit the wireless proximity signal using the one or more proximity marker devices, wherein the wireless proximity signal is configured to be received by a positioning system device of the mobile device; determine the user'"'"'s location when the user is located inside the facility based on receiving a response signal from the user mobile device indicating receipt of the wireless proximity signal of the one or more proximity marker devices; access a categorization database; determine a time of day; using the categorization database, determine that the user'"'"'s location is associated with a plurality of categories for the determined time of day, wherein the plurality of categories are determined based on at least the response signal from the user mobile device; suggest the plurality of categories based on the user'"'"'s location and the determined time of day; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; receive instructions, from the mobile device, to process the transaction and associate the received category with the at least one component of the transaction; in response to the instructions from the mobile device, initiate storing the category in association with the at least one component of the transaction in a categorization database; and in response to the instructions from the mobile device, process the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer program product for prompting categorization during payment authorization of a transaction being conducted by a user, the computer program product comprising:
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a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising; a computer readable program code configured to track the user'"'"'s location using GPS coordinates provided by the mobile device when the user is located outside a facility; a computer readable program code configured to transmit a wireless proximity signal using one or more proximity marker devices, wherein; the one or more proximity marker devices are located inside the facility, the one or more proximity marker devices being configured to transmit the wireless proximity signal; and the wireless proximity signal is configured to be received by a positioning system device of the mobile device; a computer readable program code configured to determine the user'"'"'s location when the user is located inside the facility based on receiving a response signal from the user mobile device indicating receipt of the wireless proximity signal of the one or more proximity marker devices; a computer readable program code configured to access a categorization database; a computer readable program code configured to determine a time of day; a computer readable program code configured to, using the categorization database, determine that the user'"'"'s location is associated with a plurality of categories for the determined time of day, wherein the plurality of categories are determined based on at least the response signal from the user mobile device; a computer readable program code configured to suggest the plurality of categories based on the user'"'"'s location and the determined time of day; a computer readable program code configured to prompt the user to categorize at least one component of the transaction; a computer readable program code configured to receive a category from the user for the at least one component of the transaction; a computer readable program code configured to receive instructions, from the mobile device, to process the transaction and associate the received category with the at least one component of the transaction; a computer readable program code configured to, in response to the instructions from the mobile device, initiate storing the category in association with the at least one component of the transaction in a categorization database; and a computer readable program code configured to, in response to the instructions from the mobile device, process the transaction. - View Dependent Claims (14, 15, 16, 17, 18)
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19. A method for prompting categorization during payment authorization of a transaction being conducted by a user, the method comprising:
using a computer processor comprising computer program code instructions stored in a non-transitory computer readable medium, wherein said computer program code instructions are structured to cause said computer processor to; track the user'"'"'s location using GPS coordinates provided by the mobile device when the user is located outside a facility; transmit a wireless proximity signal using one or more proximity marker devices, wherein; the or more proximity marker devices located inside the facility, the one or more proximity marker devices being configured to transmit the wireless proximity signal; and the wireless proximity signal is configured to be received by a positioning system device of the mobile device; determine the user'"'"'s location when the user is located inside the facility based on receiving a response signal from the user mobile device indicating receipt of the wireless proximity signal of the one or more proximity marker devices; access a categorization database; determine a time of day; using the categorization database, determine that the user'"'"'s location is associated with a plurality of categories for the determined time of day, wherein the plurality of categories are determined based on at least the response signal from the user mobile device; suggest the plurality of categories based on the user'"'"'s location and the determined time of day based on products and/or services that the merchant provides; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; receive instructions, from the mobile device, to process the transaction and associate the received category with the at least one component of the transaction; in response to the instructions from the mobile device, initiate storing the category in association with the at least one component of the transaction in a categorization database; and in response to the instructions from the mobile device, process the transaction. - View Dependent Claims (20, 21)
Specification