System and method for interactive secure dialog between card holder and issuer
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United States of America Patent
Stats
-
Nov 28, 2006
Issued Date -
N/A
app pub date -
May 23, 2002
filing date -
May 25, 2001
priority date (Note) -
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status (Latency Note)
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Abstract
A computer implemented method and apparatus for ensuring secured dialog between a card holder and a card provider via a network is provided. The system facilitates real-time communicate between a card provider virtual agent and a card holder using a card holder interface operating via a network. In a typical arrangement, the card holder requests completion of a transaction from a merchant system via a network. The upon receiving notification that the transaction request has been denied by the card provider system, the card holder is provided real-time access to the card provider virtual agent. The virtual agent may then send a transaction approval code to the card provider system overriding any transaction denial and permitting the card holder to resubmit the transaction request to the merchant system for subsequent approval.
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