Product level payment network acquired transaction authorization
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United States of America Patent
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Apr 1, 2014
Grant Date -
Jan 2, 2014
app pub date -
Sep 4, 2013
filing date -
Jan 4, 2005
priority date (Note) -
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status (Latency Note)
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Abstract
A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.
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