Assistance method and apparatus for online purchases of goods or services conducted with payment card systems
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United States of America Patent
Stats
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Dec 14, 2010
Grant Date -
Nov 1, 2007
app pub date -
Apr 25, 2007
filing date -
Apr 28, 2006
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A card payment system includes a purchases assistance system linking online merchants of goods or services, including digital goods, with the operator of the card issuance system. Merchants can use the purchases assistance system to seek help from the Issuer for resolving disputes related to purchases of digital goods of which the provisioning may have failed, to trade better commercial terms from the Issuer in exchange for providing details of products purchased by cardholders, to verify the balance of debit cards and request a reservation of funds from the Issuer to lower their financial risks prior to certain types of transactions, or to signal to the Issuer special loyalty rewards associated with specific purchases.
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