System, Method, and Computer Program Product for Authorizing a Transaction

A computer program product for authorizing a transaction, comprising at least one non-transitory computer readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

• receive, through a graphical user interface, a transaction request comprising at least one user identifier;
• determine an authorizing user of a plurality of authorizing users based at least partially on the at least one user identifier;
• determine whether the authorizing user is online;
• in response to determining that the authorizing user is not online, communicating an authorization request message to a user device associated with the at least one authorizing user, the authorization request message comprising an automated telephone call configured to audibly prompt the authorizing user to provide an approval of the transaction request;
• and
• complete the transaction in response to receiving an approval of the transaction request from the authorizing user.

A computer program product for authorizing a transaction, comprising at least one non-transitory computer readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

• receive, through a graphical user interface, a transaction request comprising at least one user identifier, the at least one user identifier uniquely identifying a requesting user of a plurality of requesting users;
• determine an authorizing user of a plurality of authorizing users based at least partially on the at least one user identifier;
• determine whether the requesting user is approved to conduct the transaction based on at least one approval database and the at least one user identifier;
• complete the transaction in response to determining that the requesting user is approved to conduct the transaction;
• and
• in response to determining that the requesting user is not approved to conduct the transaction, communicate, to a user device associated with at least one authorizing user, a first authorization request message.

A system for authorizing a transaction, comprising at least one server computer including at least one processor programmed or configured to:

• receive, through a graphical user interface, a transaction request comprising at least one user identifier;
• determine an authorizing user of a plurality of authorizing users based at least partially on the at least one user identifier;
• determine whether the authorizing user is online;
• in response to determining that the authorizing user is not online, communicating an authorization request message to a user device associated with the at least one authorizing user, the authorization request message comprising an automated telephone call configured to audibly prompt the authorizing user to provide an approval of the transaction request;
• and
• complete the transaction in response to receiving an approval of the transaction request from the authorizing user.