Mobile phone charge card notification and authorization method

摘要

An added level of security is provided for charge card transactions. Upon presenting a charge card number for a purchase, for example, the cardholder receives a message (e.g., SMS) on his cell phone or PDA that a charge authorization request has been received. The message may include the merchant, a charge amount, and a time and date.

主权项

1. In a charge card payment authorization method, wherein a charge is requested at a merchant's, account information including a charge card account number for payment of a customer's purchase is acquired at the merchant's, an authorization request with the charge card account number and information relating to the customer's purchase is transmitted to a remote charge processing facility, and the charge request is processed, the improvement which comprises: transmitting a notification of the charge request through a cellular network to a wireless device associated with the customer no later than immediately after authorizing the charge request and processing the charge request without requiring a response from the wireless device associated with the customer.