Transaction notification and authorization method

摘要

An added level of security is provided for charge 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. A method for processing a transaction, comprising the steps of:
receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer's account; determining whether or not the account includes a request for notification to the customer of any transactions; notifying the customer via a second transmission channel only if the account includes a request for notification of any transactions; the second transmission channel being distinct from the first transmission channel; and authorizing the transaction without requiring a response from the customer.