Techniques for authorization of usage of a payment device

US8584936B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Sara E. Fiebiger · Ellisville, US
• Adam Gluck · Ardsley, US
• Dennis J. Hill · Kansas City, US
• Carole Kelly-Frank · Wildwood, US
• Arthur D. Kranzley · Pound Ridge, US
• Robert D. Reany · New Canaan, US
• Kenneth J. Mealey · Rye, US

Key dates

• Filing date: Aug 31, 2007
• Grant date: Nov 19, 2013
• Expiry date: Oct 12, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.