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US 8,783,564 B2Granted
Transaction notification and authorization method
AssigneeCalabrese Stemer LLC
InventorsGerry Calabrese, Werner Stemer
Life of this patent
Estimating the term…
Abstract
An added level of security is provided for charge transactions. Upon presenting a charge card number for a purchase, for example, the cardholder receives a message (e.g., SMS) on his cell phone or PDA that a charge authorization request has been received. The message may include the merchant, a charge amount, and a time and date.
Claims19
A method for processing a transaction, comprising the steps of:
- receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer's account;
- determining whether or not the account includes a request for notification to the customer of any transactions;
- notifying the customer via a second transmission channel only if the account includes a request for notification of any transactions;
- the second transmission channel being distinct from the first transmission channel;
- and
- authorizing the transaction without requiring a response from the customer.
3 more elements
A method for processing a transaction, comprising the steps of:
- a. receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer's account;
- b. determining if the account includes a request for notification to the customer of any transactions;
- c. sending a notification to the customer via a second transmission channel only if the account includes a request for notification of at least one form of transaction;
- d. the second transmission channel being distinct from the first transmission channel;
- e. receiving a response to the notification;
- and
- f. authorizing the transaction only if the response is proper.
4 more elements
Dependencies are inferred from the claim text.