Back to results
US 10,320,581 B1Granted
Systems and methods for pre-configuring a payment vehicle
AssigneeUnited Services Automobile Association (USAA)
InventorsJames Christopher Watson, Gina R. Smith
Life of this patent
Estimating the term…
Abstract
Methods and systems for pre-configuring a payment vehicle are described. In some embodiments, transaction criteria pertaining to a payment vehicle is proactively received in advance of an anticipated transaction. A transaction authorization request may be received from a point of sale device and may be generated by the point of sale device in response to an attempted use of the payment vehicle. Information about the transaction in the transaction request may be compared with the transaction criteria to determine whether to authorize the transaction.
Claims17
A computer-implemented method comprising:
- receiving, at a computing device associated with a user from a smart device, an indication of an identified item that the user will need to purchase;
- in response to receiving the indication of the identified item, electronically notifying the user to select transaction criteria in advance of an anticipated transaction relating to the identified item;
- receiving, via an application running on the computing device associated with the user, the transaction criteria associated with a payment vehicle for the anticipated transaction,
- wherein the transaction criteria includes one or more items including the identified item, a location of the transaction, and a timeframe, and
- wherein the payment vehicle will not be authorized for transactions that have not been identified by the transaction criteria;
- in response to receiving the transaction criteria, sending the transaction criteria to a computing device associated with an issuer of the payment vehicle prior to the anticipated transaction;
- and
- in response to an indication from the computing device of the issuer of the payment vehicle that transaction information from a requested transaction does not meet the transaction criteria for the anticipated transaction, alerting the user via the application running on the computing device associated with the user.
5 more elements
A non-transitory computer-readable storage medium comprising a set of instructions that, when executed by one or more processors, cause a machine to:
- receive, at a computing device associated with a user from a smart device, an indication of an identified item that the user will need to purchase;
- in response to receiving the indication of the identified item, electronically notify the user to select transaction criteria in advance of an anticipated transaction relating to the identified item;
- receive, via an application running on the computing device associated with the user, the transaction criteria associated with a payment vehicle for the anticipated transaction,
- wherein the transaction criteria includes one or more items including the identified item, a location of the transaction, and a timeframe, and
- wherein the payment vehicle will not be authorized for transactions that have not been identified by the transaction criteria;
- in response to receiving the transaction criteria, send the transaction criteria to a computing device associated with an issuer of the payment vehicle prior to the anticipated transaction;
- and
- in response to an indication from the computing device of the issuer of the payment vehicle that transaction information from a requested transaction does not meet the transaction criteria for the anticipated transaction, alert the user via the application running on the computing device associated with the user.
5 more elements
A pre-configuration and authorization engine, comprising:
- one or more processors;
- and
- a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors, cause the pre-configuration and authorization engine to:
- receive, at a computing device associated with a user from a smart device, an indication of an identified item that the user will need to purchase;
- in response to receiving the indication of the identified item, electronically notify the user to select transaction criteria in advance of an anticipated transaction relating to the identified item;
- receive, via an application running on the computing device associated with the user, the transaction criteria associated with a payment vehicle for the anticipated transaction,
- wherein the transaction criteria includes one or more items including the identified item, a location of the transaction, and a timeframe, and
- wherein the payment vehicle will not be authorized for transactions that have not been identified by the transaction criteria;
- in response to receiving the transaction criteria, send the transaction criteria to a computing device associated with an issuer of the payment vehicle prior to the anticipated transaction;
- and
- in response to an indication from the computing device of the issuer of the payment vehicle that transaction information from a requested transaction does not meet the transaction criteria for the anticipated transaction, alert the user via the application running on the computing device associated with the user.
8 more elements
Dependencies are inferred from the claim text.