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, the method comprising:
receiving, by a computer of a card issuer from a point-of-sale terminal of a merchant, a transaction request from a transaction card of a cardholder, wherein the transaction request comprises an identification of a product; receiving, by the computer of the card issuer from the point-of-sale terminal of the merchant, the transaction request through a card association network for the transaction card, the transaction request comprising the identification of the product; comparing, by the computer of the card issuer, the identification of the product to a pre-qualified category of products associated with the transaction card of the cardholder; transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction request as a health care transaction when the product is classified in a pre-qualified health care category and approving, by the card issuer, the transaction request as the health care transaction; and transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction request as a general transaction when the product is not classified in a pre-qualified health care category, and approving, by the card issuer, the transaction request as the general transaction.