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System for personal authorization control for card transactions

  • US 10,540,659 B2
  • Filed: 01/11/2019
  • Issued: 01/21/2020
  • Est. Priority Date: 03/05/2002
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving at an interface to a server computer, a cardholder selection of a combination of notification parameters from a cardholder, the notification parameters specifying constraints that will cause notifications to be sent to the cardholder when transaction details of transactions conducted by a card presenter match the constraints, wherein the constraints specified by the notification parameters are unrelated to authorization of the transactions;

    storing the cardholder selected notification parameters in a parameter table database;

    receiving, by a subprocessor, transaction details of a transaction conducted by a card presenter at a POS terminal or an ATM terminal;

    determining, with the subprocessor, that the transaction details of the transaction conducted by the card presenter at the POS terminal or the ATM terminal match the constraints, the constraints being unrelated to authorization of the transaction; and

    sending a notification by the subprocessor to a device associated with the cardholder when the transaction details of the transaction conducted by the card presenter match the constraints specified by the notification parameters, the notification including the transaction details of the transaction,wherein the constraints are in a plurality of constraints, and wherein the plurality of constraints are displayed to the cardholder such that the cardholder is capable of selecting arbitrary combinations of the constraints.

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