APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SECURE, PRIVACY-AWARE QUALIFIED EXPENDITURE TRACKING IN AN ISO 8583 NETWORK OR THE LIKE

摘要

At an intermediate node in a payment card processing network, clearing records are obtained for payment card transactions with a merchant which sells eligible wares and ineligible wares. Said clearing records specify, for each of said transactions, a total transaction amount and information representative of an amount associated with said eligible wares. At least a portion of said clearing records are stored in a first database accessible to said intermediate node in said payment card processing network, by transaction. Said first database is queried on payment card account number and, for said payment card account number, at least said information representative of an amount associated with said eligible wares is collected. Said collected information representative of an amount associated with said eligible wares is made available to at least one interested party.

主权项

1. A method comprising:
obtaining, at an intermediate node in a payment card processing network, from a merchant which sells eligible wares which are eligible to be paid for with a special account and ineligible wares which are not eligible to be paid for with a special account, clearing records for payment card transactions with said merchant, said clearing records specifying, for each of said transactions, a total transaction amount and information representative of an amount associated with said eligible wares; storing at least a portion of said clearing records in a first database accessible to said intermediate node in said payment card processing network, by transaction; querying said first database on payment card account number and collecting, for said payment card account number, at least said information representative of an amount associated with said eligible wares; and making said collected information representative of an amount associated with said eligible wares available to at least one interested party.