Authorizing an initially declined authorization request

US10546282B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Aruj Ahluwalia · Jersey City, US
• Vernon Marshall · Montclair, US
• Satish Narayanan · Ellington, US
• Andrew Roth · Scarsdale, US
• Xiongwen Rui · Scottsdale, US
• Thomas K. Serge · Glendale, US

Key dates

• Filing date: Aug 18, 2017
• Grant date: Jan 28, 2020
• Expiry date: May 8, 2038

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W4/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to receiving, by an application of a transaction account holder web client, a first passively pushed message, in response to a declined first attempt of a transaction request transmitting, by the transaction account holder web client, a response to the first passively pushed message; receiving, by an application of the transaction account holder web client, a second passively pushed message, in response to the response to the first passively pushed message meeting pre-established criteria; and transmitting, by the transaction account holder web client, a second attempt of the transaction request, wherein the second attempt is authorized.