Patent ID: 9230253
Filing Date: 2016-01-05
CPC Classification: G06Q

Claim Text:
1. A computer-implemented method, the method comprising: receiving, by a computer of a card issuer from a point-of-sale terminal of a merchant, transaction data associated with a transaction from a transaction card of a cardholder, wherein the transaction data comprises an identification of a category of a product associated with the transaction; receiving, by the computer of the card issuer from the point-of-sale terminal of the merchant, the transaction data through a card association network for the transaction card, the transaction data comprising the identification of the category of the product; comparing, by the computer of the card issuer, the identification of the category of the product to a pre-qualified category of products associated with the transaction card of the cardholder; transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a health care transaction when the product is categorized in a pre-qualified health care category, and approving, by the card issuer, the transaction as the health care transaction; and transmitting, from the computer of the card issuer to the point-of-sale terminal of the merchant, approval of the transaction as a general transaction when the product is not categorized in a pre-qualified health care category, and approving, by the card issuer, the transaction request as the general transaction.