PRODUCT LEVEL PAYMENT NETWORK ACQUIRED TRANSACTION AUTHORIZATION

摘要

A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.

主权项

1. A processor-implemented product purchase authorization method, comprising:
processing by a processor a payment network authorization request message received from a device of a merchant, wherein the payment network authorization request message comprises:
an account identifier associated with an account of a consumer; andan item code corresponding to an item to be purchased from the merchant, determining by the processor that:(i) the account identifier is associated with an employee benefit account; and(ii) the item code is associated with a qualified item category; and(iii) a cost of the item to be purchased does not exceed an available balance associated with the employee benefit account; and in response to the determining, communicating by a processor an authorization response to the merchant device to authorize sale of the item wherein the authorization response includes an authorization for the use of the employee benefit account for the item represented by the item code.