PRE-PAYMENT AUTHORIZATION CATEGORIZATION

摘要

Systems, methods, and computer program products are provided for categorizing transactions prior to authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive an input from a user associated with a component of a future transaction; determine that the user is conducting a transaction; determine a category associated with the input; associate the category with the transaction that is being conducted by the user; and store the category in association with the transaction. In some embodiments, the user provides the input by scanning a product or service using a mobile device. In further embodiments, the system determines the category by evaluating the product or service, evaluating previous categories identified at the user's location, or some combination thereof.

主权项

1. A system for categorizing transactions prior to authorization, the system comprising:
a computer apparatus including a processor and a memory; and a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to:
receive an input of a product or service using a mobile device;determine that the user is conducting a transaction;determine a time duration between a time the input was received and a time the transaction was initiated;determine a category associated with the product or service;associate the category with the transaction when the time duration between the time the input was received and the time the transaction was initiated is less than a predetermined time duration; andstore the category in association with the transaction.