System and method for permitting otherwise suspect credit card transactions
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United States of America Patent
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Issued Date -
Apr 17, 2008
app pub date -
Oct 11, 2006
filing date -
Oct 11, 2006
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
Instead of immediately turning down a suspect credit card transaction, when a merchant store connects to a credit card issuer computer and the issuer computer realizes that the limit will be exceeded or that the transaction is otherwise suspect, it sends a voice or text phone message to the card holder summarizing the attempted transaction and asking the card holder to input a code if the card holder approves. If the card holder replies with the right code within a predetermined period the transaction is approved; otherwise, it is not.
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