Method and system for authorizing card account transactions by geographic region
AssigneeCapital One Services, LLC
InventorMichele D. Matthews
Life of this patent
Estimating the term…
Abstract
A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.
Claims20
A method for authorizing transactions, the method comprising:
- providing initial authorization settings corresponding to an initial authorization status for each of a plurality of automated teller machine (ATM) locations, the initial authorization status indicating whether a financial account is usable or accessible at each of the plurality of ATM locations for completing a transaction;
- transmitting, to a computing device, user interface data such that the computing device is enabled to display a user interface displaying indications of the plurality of ATM locations and a plurality of geographic regions;
- receiving, from the computing device and via the user interface, a request to adjust the initial authorization status for a selected ATM location or a selected geographic region;
- changing the initial authorization settings to adjusted authorization settings, the adjusted authorization settings including an adjusted authorization status corresponding to the selected ATM location or the selected geographic region;
- receiving an authorization request for a transaction associated with the financial account;
- and
- determining, based on the adjusted authorization settings, whether the requested transaction is authorized.
A method for authorizing transactions, the method comprising:
- associating one or more first authorization statuses with one or more automated teller machine (ATM) locations or one or more geographic regions, the one or more first authorization statuses indicating whether a financial account is usable for completing a transaction at the one or more ATM locations or an ATM location located within the one or more geographic regions;
- receiving, from a computing device associated with a user of the financial account, a request to replace the one or more first authorization statuses with one or more second authorization statuses, the one or more second authorization statuses being different from the one or more first authorization statuses;
- replacing the one or more first authorization statuses with the one or more second authorization statuses;
- receiving an authorization request for an ATM transaction associated with the financial account;
- and
- determining, based on the one or more second authorization statuses, whether the requested ATM transaction is authorized.
A system for identifying an authorized transaction, the system comprising:
- one or more processors;
- and
- memory storing instructions that, when executed by the one or more processors, cause the system to:
- provide first authorization settings corresponding to an authorized status for an automated teller machine (ATM) at a particular ATM location;
- receive, from a computing device associated with a customer, second authorization settings corresponding to a restricted status for the ATM;
- and
- subsequent to receiving the second authorization settings:
- receive, from the ATM, a request to authorize a transaction associated with a customer financial account associated with the customer;
- determine, based on the second authorization settings, that the transaction is restricted;
- and
- transmit, to the ATM, a notification indicating that the transaction could not be completed.
Dependencies are inferred from the claim text.