发明名称 |
System and method for consumer control over card-based transactions |
摘要 |
A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and/or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information. Flexibility and control over the use of transaction cards is, therefore, provided for card-based transactions and for debit and credit accounts used in connection with such card-based transactions. |
申请公布号 |
US8321315(B2) |
申请公布日期 |
2012.11.27 |
申请号 |
US20100842859 |
申请日期 |
2010.07.23 |
申请人 |
ABEL LUTHER C.;COUSINS ROBERT E.;CITIZENS FINANCIAL GROUP, INC. |
发明人 |
ABEL LUTHER C.;COUSINS ROBERT E. |
分类号 |
G06Q40/00;G06Q20/00;G07F7/08 |
主分类号 |
G06Q40/00 |
代理机构 |
|
代理人 |
|
主权项 |
|
地址 |
|