Method and system for manual authorization

• US 7,735,720 B2
• Filed: 08/19/2008
• Issued: 06/15/2010
• Est. Priority Date: 03/16/2004
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Nelson, David O.
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US12/194,493
• Publication Number:
  US 20080313064A1
• Time in Patent Office: 665 Days
• Field of Search: 235/375, 235/376, 235/379, 235/380, 705 39- 41
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Embodiments provide systems, apparatus, methods, computer program code, and means for performing manual authorizations.

Claims

1. A method, comprising:

identifying a first authorization request associated with a payment account, where said first authorization request was declined for a first purchase transaction for failing to comply with at least one of an account-level and a corporate-level use restriction associated with said payment account;

creating, in response to said declined first authorization request, a manual authorization record for said payment account and said first purchase transaction based on information associated with or resulting from said first authorization request; and

,

temporarily overriding said at least one of an account-level and a corporate-level use restriction and allowing approval of a second authorization request involving said payment account and a second purchase transaction that complies with terms of said manual authorization record, including matching at least a portion of information from said first authorization request.

2. The method of claim 1, wherein said payment account is associated with a purchasing card issued to a purchasing entity having a program administrator.

3. The method of claim 2, wherein said manual authorization record is created in response to a request by said program administrator.

4. The method of claim 1, wherein said payment account is associated with at least one of merchant category code (MCC), account-level, a corporate-level, and standard industrial code (SIC) authorization controls.

5. The method of claim 4, wherein said first authorization request is declined based on a failure of said first purchase transaction to comply with at least one of said MCC, said account-level, said corporate-level, and said SIC authorization controls associated with said payment account.

6. The method of claim 4, wherein said manual authorization record operates to override at least one of said MCC, said account-level, said corporate-level, and said SIC authorization controls associated with said payment account.

7. An apparatus, comprising:

a network interface communicating with a memory;

the memory communicating with a processor; and

the processor, when executing a computer program, is configured to;

identify a first authorization request associated with a payment account, where said first authorization request was declined for a first purchase transaction for failing to comply with at least one of an account-level and a corporate-level use restriction associated with said payment account;

create, in response to said declined first authorization request, a manual authorization record for said payment account and said first purchase transaction based on information associated with or resulting from said first authorization request; and

,

temporarily override said at least one of an account-level and a corporate-level use restriction and allowing approval of a second authorization request involving said payment account and a second purchase transaction that complies with terms of said manual authorization record, including matching at least a portion of information from said first authorization request.

8. The apparatus of claim 7, wherein said payment account is associated with a purchasing card issued to a purchasing entity having a program administrator.

9. The apparatus of claim 8, wherein said manual authorization record is created in response to a request by said program administrator.

10. The apparatus of claim 7, wherein said payment account is associated with at least one of a merchant category code (MCC), account-level, corporate-level, and standard industrial code (SIC) authorization controls.

11. The apparatus of claim 10, wherein said first authorization request is declined based on a failure of said prior first purchase transaction to comply with said at least one of MCC, account-level, corporate-level, and SIC authorization control.

12. A tangible computer-readable medium having computer-executable instructions stored thereon that, if executed by a computer, cause the computer to perform a method comprising:

identifying a first authorization request associated with a payment account, where said first authorization request was declined for a first purchase transaction for failing to comply with at least one of an account-level and a corporate-level use restriction associated with said payment account;

creating, in response to said declined first authorization request, a manual authorization record for said payment account and said first purchase transaction based on information associated with or resulting from said first authorization request; and

,

temporarily overriding said at least one of an account-level and a corporate-level use restriction and allowing approval of a second authorization request involving said payment account and a second purchase transaction that complies with terms of said manual authorization record, including matching at least a portion of information from said first authorization request.

13. The medium of claim 12, wherein said payment account is associated with a purchasing card issued to a purchasing entity having a program administrator.

14. The medium of claim 13, wherein said manual authorization record is created in response to a request by said program administrator.

15. The medium of claim 12, wherein said payment account is associated with at least one of merchant category code (MCC), account-level, a corporate-level, and standard industrial code (SIC) authorization controls.

16. The medium of claim 15, wherein said first authorization request is declined based on a failure of said first purchase transaction to comply with at least one of said MCC, said account-level, said corporate-level, and said SIC authorization controls associated with said payment account.

17. The medium of claim 15, wherein said manual authorization record operates to override at least one of said MCC, said account-level, said corporate-level, and said SIC authorization controls associated with said payment account.