Multiple options to decline authorization of payment card charges

US7708190B2 · kind B2 · utility

Assignee

• AT&T Intellectual Property I, L.P. · US

Inventors

• Jeffrey Brandt · Cedar Park, US
• James T. Miller · Louisville, US

Key dates

• Filing date: Mar 10, 2004
• Grant date: May 4, 2010
• Expiry date: May 22, 2024

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/425
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A payment card transaction notification and authorization system provides a notification message to a payment card holder of an attempted transaction using his/her payment card. The system provides multiple options for the payment card holder to decline authorization of the attempted transaction. The multiple options comprise a first option for the payment card holder to decline authorization of an undesirable but non-fraudulent transaction, and a second option for the payment card holder to decline authorization of a fraudulent transaction.