US5621201A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Automated purchasing control system
Assignee: Visa International Service Association
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Filing: 1996-02-05
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Granted: 1997-04-15
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Expires: 2016-02-05
Abstract
Abstract An automated purchasing control system which can be customized for a corporate customer. The system receives an authorization request over the phone lines from a remote point-of-sale terminal and processes the request using unique software. The software has a database customized to a corporate user to establish that company hierarchial structure. Elements of the hierarchial structure are independently reconfigurable, so that a company can specify different hierarchial relationships in the software for authorization, billing and reporting purposes. Different authorization tests can be established for each position in a hierarchy, with a particular position being required to pass not only its own test, but the test of elements higher in the hierarchial tree.
Inventors
- 👤 Stephen Langhans
- 👤 Laurence M. Goodman
- 👤 Sigman L. Shapiro
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-26 17:43
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/08; G06Q20/20; G06Q20/22; G06Q20/229; G06Q20/30; G06Q20/305; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q40/00; G06Q40/02; G06Q40/03; G07; G07F; G07F9/00; G07F9/002
Claims Analysis
Total Claims: 16
Claim 1
Independent Claim
83 words
A method for authorizing transactions for distributing currency or purchasing goods and services, comprising the following steps: generating a plurality of card numbers, each card number including an account number; creating a database on a central computer having at least a first field for said account number; assigning an authorization hierarchial position to each of said account numbers in said database; and creating a plurality of distinct authorization tests, said authorization tests varying according to the hierarchial position of an individual account number.
Claim 2
Independent Claim
83 words
A method for authorizing transactions for distributing currency or purchasing goods and services, comprising the following steps: generating a plurality of card numbers, each card number including an account number; creating a database on a central computer having at least a first field for said account number; assigning an authorization hierarchial position to each of said account numbers in said database; and creating a plurality of distinct authorization tests, said authorization tests varying according to the hierarchial position of an individual account number.
Claim 3
Dependent Claim
74 words
The method of claim 1 further comprising the steps of: subsequently receiving, from a remote terminal, a transmitted card number and a debit amount; determining a location of said database; determining, from the transmitted account number in said transmitted card number, the hierarchial authorization tests applicable to said transmitted account number; applying said hierarchial tests to said debit amount; and transmitting to said remote terminal an authorization message if said hierarchial tests are passed.
Claim 4
Dependent Claim
31 words
The method of claim 2 further comprising the steps of: transmitting to said remote terminal a message in accordance with a predetermined failure response option if said hierarchial tests are failed.
Claim 5
Dependent Claim
68 words
The method of claim 1 further comprising the steps of: creating groupings of merchant category codes; creating different authorization tests according to said groupings of merchant category codes and said hierarchial authorization levels; transmitting a merchant category code from said remote terminal with said transmitted card number; and applying said hierarchial tests corresponding to said the hierarchial level of said transmitted account number and said transmitted merchant category.
Claim 6
Dependent Claim
90 words
The method of claim 4 wherein one of said authorization tests is a velocity test which varies for different groupings of merchant category codes comprising the steps of: recording the time of each transmission of a card number and a merchant category code; determining a frequency of usage from previous recorded times of transmission for the card number and merchant category code grouping; and transmitting a message denying authorization if said frequency of usage is greater than a predetermined limit for said merchant category code grouping and said card number.
Claim 7
Dependent Claim
48 words
The method of claim 1 further comprising the step of assigning a default authorization test to an account number which does not have a separately assigned authorization test, said default authorization test being a corresponding test for a higher level in said authorization hierarchy from said account number.
Claim 8
Dependent Claim
28 words
The method of claim 6 further comprising the step of performing a mass update of all default authorization tests in response to a revision of said corresponding test.
Claim 9
Independent Claim
141 words
A system for authorizing transactions for distributing currency or purchasing goods and services, comprising: a plurality of cards, each card having a card number, each card number including an account number; a central computer having a database with at least a first field for said account number, each account number being organized according to an authorization hierarchial position, said central computer having a plurality of distinct authorization tests, said authorization tests varying according to the hierarchial position of an individual account number; means, in said central computer, for determining, from a received card number, a location of said database; means, in said central computer, for determining, from the account number in said received card number, the hierarchial authorization tests applicable to said received account number; and means, in said central computer, for applying said hierarchial tests to a received debit amount.
Claim 10
Independent Claim
141 words
A system for authorizing transactions for distributing currency or purchasing goods and services, comprising: a plurality of cards, each card having a card number, each card number including an account number; a central computer having a database with at least a first field for said account number, each account number being organized according to an authorization hierarchial position, said central computer having a plurality of distinct authorization tests, said authorization tests varying according to the hierarchial position of an individual account number; means, in said central computer, for determining, from a received card number, a location of said database; means, in said central computer, for determining, from the account number in said received card number, the hierarchial authorization tests applicable to said received account number; and means, in said central computer, for applying said hierarchial tests to a received debit amount.
Claim 11
Dependent Claim
70 words
The system of claim 8 further comprising: a remote terminal for transmitting a transmitted card number and a debit amount; a network coupling said remote terminal to said central computer; and a transmitter for transmitting to said remote terminal an authorization message if said hierarchial tests are passed and transmitting to said remote terminal a message in accordance with a predetermined failure response option if said hierarchial tests are failed.
Claim 12
Dependent Claim
77 words
The system of claim 8 wherein said central computer further comprises: means for creating groupings of merchant category codes; means for creating different authorization tests according to said groupings of merchant category codes and said hierarchial authorization levels; means for transmitting a merchant category code from said remote terminal with said transmitted card number; and means for applying said hierarchial tests corresponding to said the hierarchial level of said transmitted account number and said transmitted merchant category.
Claim 13
Dependent Claim
93 words
The system of claim 10 wherein one of said authorization tests is a velocity test which varies for different groupings of merchant category codes comprising: means for recording the time of each transmission of a card number and a merchant category code; means for determining a frequency of usage from previous recorded times of transmission for the card number and merchant category code grouping; and means for transmitting a message denying authorization if said frequency of usage is greater than a predetermined limit for said merchant category code grouping and said card number.
Claim 14
Dependent Claim
47 words
The system of claim 8 further comprising means for assigning a default authorization test to an account number which does not have a separately assigned authorization test, said default authorization test being a corresponding test for a higher level in said authorization hierarchy from said account number.
Claim 15
Dependent Claim
27 words
The system of claim 12 further comprising means for performing a mass update of all default authorization tests in response to a revision of said corresponding test.
Claim 16
Dependent Claim
27 words
The system of claim 8 wherein said remote terminal transmits merchant information, and one of said hierarchial tests compares said merchant information to an approved vendor list.
References Cited (Backward Citations)
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2000-04-14 | 2000-10-14 | 2001-04-15 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2004-04-14 | 2004-10-14 | 2005-04-15 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2008-04-14 | 2008-10-14 | 2009-04-15 | $7700.00 | Window Closed / Lapsed |