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:
- associating a first authorization status with one or more merchant locations of each merchant of a plurality of merchants or one or more geographic regions, the first authorization status being associated with a financial account and indicating a first request to authorize or restrict transactions associated with the one or more merchant locations or a merchant 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 first authorization status with a second authorization status, the second authorization status indicating a second request to authorize or restrict transactions associated with the one or more merchant locations or a merchant location located within the one or more geographic regions, the second request being different from the first request;
- replacing the first authorization status with the second authorization status;
- receiving an authorization request for a requested transaction involving the financial account;
- and
- determining, based at least in part on the second authorization status, whether the requested transaction is authorized.
A method for authorizing transactions, the method comprising:
- receiving, from a computing device associated with a user of a financial account, a user request to authorize or restrict one or more transactions in a geographic region, the user request comprising a request to authorize or restrict (i) a transaction involving one or more particular vendors in the geographic region or (ii) a transaction involving one or more vendor locations of each of the one or more particular vendors;
- receiving an authorization request for a requested transaction associated with the financial account;
- determining, based on the authorization request, a geographic region associated with the authorization request;
- determining, based at least in part on the user request and the geographic region associated with the authorization request, whether the requested transaction is authorized.
A non-transitory, computer readable medium having instructions stored thereon that, when executed by one or more processors, cause a system to:
- receive, from a computing device associated with a user of a financial account, a user request to authorize or restrict one or more transactions in a geographic region, the user request to authorize or restrict one or more transactions in the geographic region comprises a request to authorize or restrict (i) a transaction involving one or more particular vendors in the geographic region or (ii) a transaction involving one or more vendor locations of each of the one or more particular vendors;
- receive an authorization request for a requested transaction associated with the financial account;
- determine, based on the authorization request, a geographic region associated with the authorization request;
- determine, based at least in part on the user request and the geographic region associated with the authorization request, whether the requested transaction is authorized.
Dependencies are inferred from the claim text.