Account locking using transaction codes

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United States of America Patent

PATENT NO 9754260
SERIAL NO

14065315

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Described herein are systems and computer-implemented methods for configuring a payment account in an account hierarchy using transaction codes that carry transaction information. The transaction codes carry sufficient information to help inform a decision of whether to lock the payment account so as to prevent an initiated transaction from completing. The decision can be fully-automated based on rules and/or intelligent machine analysis. The systems and methods can also seek, in real-time, authorization from an account administrator. The systems and methods can also allow the administrator to create a locking rule for the payment account. The administrator can be identified using the account hierarchy.

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Patent Owner(s)

  • QUISK, INC.

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fernandes, Jorge M Los Altos, US 33 3591

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