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US5999596A
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US
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Method and system for controlling authorization of credit card transactions
Assignee: Inventor Holdings LLC
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Filing: 1998-03-06
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Granted: 1999-12-07
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Expires: 2018-03-06
Abstract
Abstract A method and apparatus for controlling credit card use. As described in one aspect of the disclosure, a method is disclosed for facilitating communication between a first person (e.g., an account holder) and a second person (e.g., a user) so that the first person may authorize a transaction between the second person and a third party (e.g., a merchant). The method comprises the steps of linking the first and second persons to a financial account that is used for the transaction, receiving data identifying the financial account and the third party from the third party, inquiring whether the first person desires to communicate with the second person based on the data identifying the financial account, and enabling communication between the first and second persons based on a response to the inquiry from the first person and the data identifying the third party. In this way, the first person can control the authorization or denial of a transaction executed by a user based on circumstances surrounding the transaction.
Inventors
- 👤 Jay S. Walker
- 👤 Daniel E. Tedesco
- 👤 Andrew S. Van Luchene
- 👤 James A. Jorasch
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-07 19:38
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/38; G06Q20/42; G06Q20/425; G06Q20/04; G06Q20/08; G06Q20/12; G06Q20/20; G06Q20/385; G06Q20/40; G06Q20/403; G06Q20/4037; G07; G07F; G07F7/00; G07F7/08
Claims Analysis
Total Claims: 27
Claim 1
Independent Claim
107 words
A method for facilitating communication between first and second persons so that the first person may authorize a transaction between the second person and a third party, wherein the method comprises the steps of: linking the first and second persons to a financial account that is used for the transaction; receiving data from the third party identifying the financial account and the third party; inquiring whether the first person desires to communicate with the second person based on the data identifying the financial account; receiving a response to the inquiry from the first person; and initiating communication between the first and second persons based on the response.
Claim 2
Independent Claim
107 words
A method for facilitating communication between first and second persons so that the first person may authorize a transaction between the second person and a third party, wherein the method comprises the steps of: linking the first and second persons to a financial account that is used for the transaction; receiving data from the third party identifying the financial account and the third party; inquiring whether the first person desires to communicate with the second person based on the data identifying the financial account; receiving a response to the inquiry from the first person; and initiating communication between the first and second persons based on the response.
Claim 3
Dependent Claim
33 words
The method of claim 1, further comprising the steps of: receiving a signal from the first person indicating whether or not to authorize the transaction; and processing the transaction based on the signal.
Claim 4
Dependent Claim
13 words
The method of claim 2, wherein the signal indicates a personal identification number.
Claim 5
Dependent Claim
35 words
The method of claim 1, wherein the step of inquiring comprises the steps of accessing a voice file stored in a memory and causing an IVRU to play the voice file to the first person.
Claim 6
Dependent Claim
44 words
The method of claim 1, wherein the communication between the first and second persons has a duration associated therewith, and wherein the method further comprises the step of charging a monetary amount to the financial account based on the duration associated with the communication.
Claim 7
Dependent Claim
16 words
The method of claim 1, further comprising selecting the first person from a plurality of persons.
Claim 8
Dependent Claim
35 words
The method of claim 1, further comprising selecting the first person from a plurality of persons depending on the time of day that the data identifying the financial account and the third party is received.
Claim 9
Dependent Claim
40 words
The method of claim 1, further comprising when a response to the inquiry is not received from the first person within a predetermined period of time, accessing a memory to determine whether the transaction is to be authorized or declined.
Claim 10
Independent Claim
159 words
A method for facilitating communication between first and second persons so that the first person may authorize a transaction between the second person and a third party, wherein the method comprises the steps of: linking the first and second persons to a financial account that is used for the transaction; receiving data identifying the financial account and the third party from the third party; accessing a database based on the data identifying the financial account to determine a telephone number of the first person; placing a telephone call to the first person based on the telephone number thereof; inquiring whether the first person desires to communicate with the second person; and in response to an affirmative answer to the inquiry of the first person, accessing a database based on the data identifying the third party to determine a telephone number thereof; and enabling telephonic communication between the first and second persons using the telephone number of the third party.
Claim 11
Independent Claim
159 words
A method for facilitating communication between first and second persons so that the first person may authorize a transaction between the second person and a third party, wherein the method comprises the steps of: linking the first and second persons to a financial account that is used for the transaction; receiving data identifying the financial account and the third party from the third party; accessing a database based on the data identifying the financial account to determine a telephone number of the first person; placing a telephone call to the first person based on the telephone number thereof; inquiring whether the first person desires to communicate with the second person; and in response to an affirmative answer to the inquiry of the first person, accessing a database based on the data identifying the third party to determine a telephone number thereof; and enabling telephonic communication between the first and second persons using the telephone number of the third party.
Claim 12
Dependent Claim
31 words
The method of claim 9, further comprising the steps of: receiving a signal from the first person indicating whether to authorize the transaction; and processing the transaction based on the signal.
Claim 13
Dependent Claim
13 words
The method of claim 10, wherein the signal comprises a personal identification number.
Claim 14
Dependent Claim
35 words
The method of claim 9, wherein the step of inquiring comprises the steps of accessing a voice file stored in a memory and causing an IVRU to play the voice file to the first person.
Claim 15
Dependent Claim
44 words
The method of claim 9, wherein the communication between the first and second persons has a duration associated therewith, and wherein the method further comprises the step of charging a monetary amount to the financial account based on the duration associated with the communication.
Claim 16
Dependent Claim
16 words
The method of claim 9, further comprising selecting the first person from a plurality of persons.
Claim 17
Dependent Claim
35 words
The method of claim 9, further comprising selecting the first person from a plurality of persons depending on the time of day that the data identifying the financial account and the third party is received.
Claim 18
Independent Claim
175 words
A method for facilitating communication between an account holder and a user so that the account holder may authorize a card-based transaction between the user and a merchant, comprising the steps of: linking the account holder and the user to a financial account associated with the card that is used for the transaction, wherein the financial account is identified by an account number; communicating with the third party to receive the account number and data identifying the third party; accessing a first database based on the account number to determine a telephone number of the first person; attempting to contact the first person using the telephone number thereof; when the attempt to contact the first person is successful, inquiring whether the first person desires to communicate with the second person; in response to an affirmative answer to the inquiry, accessing a second database based on the data identifying the third party to determine a telephone number thereof; and enabling telephonic communication between the first and second persons using the telephone number of the third party.
Claim 19
Independent Claim
175 words
A method for facilitating communication between an account holder and a user so that the account holder may authorize a card-based transaction between the user and a merchant, comprising the steps of: linking the account holder and the user to a financial account associated with the card that is used for the transaction, wherein the financial account is identified by an account number; communicating with the third party to receive the account number and data identifying the third party; accessing a first database based on the account number to determine a telephone number of the first person; attempting to contact the first person using the telephone number thereof; when the attempt to contact the first person is successful, inquiring whether the first person desires to communicate with the second person; in response to an affirmative answer to the inquiry, accessing a second database based on the data identifying the third party to determine a telephone number thereof; and enabling telephonic communication between the first and second persons using the telephone number of the third party.
Claim 20
Dependent Claim
33 words
The method of claim 16, further comprising the steps of: receiving a signal from the first person indicating whether or not to authorize the transaction; and processing the transaction based on the signal.
Claim 21
Dependent Claim
58 words
The method of claim 16, further comprising the steps of: terminating communication with the third party prior to the step of accessing the first database; receiving a signal from the first person indicating whether to authorize the transaction; and when the signal indicates that the transaction is to be authorized, transmitting an authorization code to the third party.
Claim 22
Dependent Claim
116 words
The method of claim 16, wherein when the attempt to contact the first person is not successful, the method further comprises the steps of: accessing a database based on the account number to determine a telephone number of a subsequent person; placing a telephone call to the subsequent person based on the telephone number thereof and inquiring whether the subsequent person desires to communicate with the second person; in response to an affirmative answer to the inquiry from the subsequent person, accessing a database based on the data identifying the third party to determine a telephone number thereof; and enabling telephonic communication between the subsequent and second persons using the telephone number of the third party.
Claim 23
Independent Claim
197 words
An apparatus for facilitating communication between a first person at a first location and a second person at a point-of-sale location so that the first person may authorize a transaction between the second person and a third party at the point-of-sale location, wherein the first and second persons are linked to a financial account used for the transaction, and wherein the system comprises: a memory storing data identifying the financial account and the third party, a first telephone number associated with the first location, and a second telephone number associated with the point-of-sale location; and a processor in communication with the memory, wherein the processor is adapted and configured to receive from the third party data identifying the financial account and the third party from the third party, access the memory based on the data identifying the financial account and the third party to determine the first and second telephone numbers, transmit instructions to contact the first person based on the first telephone number, inquire whether the first person desires to communicate with the second person, and enable communication between the first and second persons based on a response to the inquiry and the second telephone number.
Claim 24
Independent Claim
197 words
An apparatus for facilitating communication between a first person at a first location and a second person at a point-of-sale location so that the first person may authorize a transaction between the second person and a third party at the point-of-sale location, wherein the first and second persons are linked to a financial account used for the transaction, and wherein the system comprises: a memory storing data identifying the financial account and the third party, a first telephone number associated with the first location, and a second telephone number associated with the point-of-sale location; and a processor in communication with the memory, wherein the processor is adapted and configured to receive from the third party data identifying the financial account and the third party from the third party, access the memory based on the data identifying the financial account and the third party to determine the first and second telephone numbers, transmit instructions to contact the first person based on the first telephone number, inquire whether the first person desires to communicate with the second person, and enable communication between the first and second persons based on a response to the inquiry and the second telephone number.
Claim 25
Dependent Claim
48 words
The apparatus of claim 20, further comprising a device in communication with the processor, wherein the device is adapted and configured to receive the instructions, contact the first person based on the first telephone number, and inquire whether the first person desires to communicate with the second person.
Claim 26
Dependent Claim
28 words
The apparatus of claim 21, wherein the device is further adapted and configured to receive a response from the first person and transmit the response to the processor.
Claim 27
Dependent Claim
11 words
The apparatus of claim 21, wherein the device comprises an IVRU.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2002-12-06 | 2003-06-07 | 2003-12-07 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-12-06 | 2007-06-07 | 2007-12-07 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-12-06 | 2011-06-07 | 2011-12-07 | $7700.00 | Window Closed / Lapsed |