发明名称 |
Method and apparatus for consumer driven protection for payment card transactions |
摘要 |
Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied. |
申请公布号 |
US8660955(B2) |
申请公布日期 |
2014.02.25 |
申请号 |
US201213620156 |
申请日期 |
2012.09.14 |
申请人 |
LEDBETTER RICHARD HOWARD;INGRAM DEBORAH JOY;LAPROVA SUZANNE ADRIENNE;PSCU FINANCIAL SERVICES |
发明人 |
LEDBETTER RICHARD HOWARD;INGRAM DEBORAH JOY;LAPROVA SUZANNE ADRIENNE |
分类号 |
G06Q20/40 |
主分类号 |
G06Q20/40 |
代理机构 |
|
代理人 |
|
主权项 |
|
地址 |
|