Methods and systems for managing transaction card accounts enabled for use with particular categories of providers and/or goods/services

摘要

A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.

主权项

1. A computer-implemented method comprising:
reading, from a card reader of the transaction terminal, transaction data of a transaction card of a cardholder; assigning, by a processor of the transaction terminal, transaction request code configured for determining whether the transaction pertains to a pre-qualified transaction category by a card issuer of the transaction card; transmitting, by the processor of the transaction terminal, the transaction request code and transaction data to a card association network for approval of the transaction by the card issuer; receiving, by the processor of the transaction terminal and from the card association network, an approval of the transaction as a qualified transaction when the transaction request code pertains to a pre-qualified transaction category; receiving, by the processor of the transaction terminal and from the card association network, an approval of the transaction request as a general transaction when the transaction request code does not pertain to a pre-qualified transaction category; and identifying, by the processor of the transaction terminal, whether the transaction is approved as the qualified transaction or the general transaction.