System and method for interactive secure dialog between card holder and issuer

US7143069B2 · kind B2 · utility

Assignee

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

Inventors

• Dennis Lacivita · Glendale, US
• Michael Graves Mansell · Abbotsford, CA
• Vernon Marshall · San Francisco, US
• Michael Mulder · Enschede, NL
• Sandeep K. Sacheti · Edison, US
• Brent Vallat · Summit, US

Key dates

• Filing date: May 23, 2002
• Grant date: Nov 28, 2006
• Expiry date: Aug 5, 2024

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1008
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.