Methods and apparatus for facilitating a transaction
First Claim
Patent Images
1. A transaction method, comprising:
- identifying information defining a transaction including at least a transaction amount;
identifying an account identifier to associate with said transaction; and
establishing a pre-authorization record associated with said account identifier, said pre-authorization record including an authorization restriction based on said transaction amount.
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Abstract
A system, method, apparatus, means, and computer program code for conducting a transaction include identifying information defining a transaction including at least a transaction amount, identifying an account identifier to associate with the transaction, and establishing a pre-authorization record associated with the account identifier, the pre-authorization record including an authorization restriction based on the transaction amount.
237 Citations
19 Claims
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1. A transaction method, comprising:
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identifying information defining a transaction including at least a transaction amount;
identifying an account identifier to associate with said transaction; and
establishing a pre-authorization record associated with said account identifier, said pre-authorization record including an authorization restriction based on said transaction amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for conducting a transaction, comprising:
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receiving a transaction request from a buyer, said transaction request including a request to purchase a first product from a first merchant for a first price and a second product from a second merchant for a second price;
identifying a first limited use account identifier including use restrictions associated with at least one of said first price, said first product and said first merchant;
identifying a second limited use account identifier including use restrictions associated with at least one of said second price, said second product and said second merchant;
establishing a transaction record confirming said transaction; and
providing said first limited use account identifier to said first merchant and said second limited use account identifier to said second merchant for payment for said first and second products. - View Dependent Claims (13, 14)
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15. A method for limiting a transaction, comprising:
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identifying an account;
identifying a transaction involving said account, said transaction having a start date;
establishing a pre-authorization record associated with said account, said pre-authorization record identifying said start date;
receiving an authorization request associated with said account and a transaction, said transaction having a date; and
authorizing said transaction if said date is on or after said start date.
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16. A method for managing a backup card pool, comprising:
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identifying a primary card pool containing a plurality of account identifiers;
selecting a subset of said account identifiers and indicating that said subset of account identifiers are not available for use in said primary card pool;
establishing initial pre-authorization criteria associated with said subset of account identifiers; and
creating said backup card pool containing said subset of account identifiers. - View Dependent Claims (17)
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18. A transaction apparatus, comprising:
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a processor; and
a storage device in communication with said processor and storing instructions adapted to be executed by said processor to;
identify information defining a transaction including at least a transaction amount;
identify an account identifier to associate with said transaction; and
establish a pre-authorization record associated with said account identifier, said pre-authorization record including an authorization restriction based on said transaction amount.
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19. A medium storing instructions adapted to be executed by a processor to perform a transaction method, said method comprising:
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identifying information defining a transaction including at least a transaction amount;
identifying an account identifier to associate with said transaction; and
establishing a pre-authorization record associated with said account identifier, said pre-authorization record including an authorization restriction based on said transaction amount.
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Specification