Transaction authorization and alert system

Communications: electrical – Continuously variable indicating – With meter reading

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Details

34082531, 34082533, 34082535, 379 91, 379144, H04Q 100

Patent

active

057084220

ABSTRACT:
An automated method for alerting a customer that a transaction is being initiated and for authorizing the transaction based on a confirmation/approval by the customer thereto. In accordance with one illustrative embodiment, a request to authorize the transaction is received, wherein the request includes a customer identifier; a determination is made whether to authorize the transaction based on the customer identifier; if the determination is to authorize the transaction, that fact is communicated to the customer; a confirmation that the transaction should, in fact, be authorized is received back from the customer; and the transaction is authorized in response to the customer's confirmation thereof. In accordance with another illustrative embodiment, a transaction initiated by an agent of the customer (i.e., the principal) is authorized by the principal when one or more threshold parameters that may be pre-defined by the principal are exceeded. A preferred method of alerting the customer and receiving a confirmation to authorize the transaction back from the customer is illustratively afforded by conventional two-way pagers.

REFERENCES:
patent: 4554418 (1985-11-01), Toy
patent: 5208446 (1993-05-01), Martinez
patent: 5388148 (1995-02-01), Seiderman
patent: 5422468 (1995-06-01), Abecassis
patent: 5422959 (1995-06-01), Lee
patent: 5521966 (1996-05-01), Friedes
McLellan, "The Future of Data Security Looks Credit-Card Thin" Information Week, p. 24, Oct. 7, 1985.

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