Patent ID: 9652765
Date: 2017-05-16
CPC Classifications: G06Q

Claim:
1. A restricted use account transaction processor-implemented method for a government sponsored financial assistance program including at least two different government agencies, wherein each of the at least two different government agencies provides a plurality of benefits to a cardholder, the method comprising: receiving, at a payment processing network server system, a payment transaction request from a merchant server for a purchase transaction upon engagement of a consumer portable device having a restricted use account, wherein the payment processing network server system is in communication via a shared network with an issuer server system and the merchant server system, the consumer portable device carrying information including: transmitting the generated issuer authorization request to the issuer server system, wherein the issuer server system includes a processor and a memory subsystem that stores an entry identifying the cardholder, the plurality of benefits of the cardholder being provided by the at least two different government agencies, and a list of restrictions on each of the benefits; processing, by the issuer server system processor, the generated issuer authorization request to identify a particular one of the benefits to be used to fund the purchase transaction and determining that at least one item associated with the payment transaction request violates at least one of the restrictions for the particular benefit by comparing the at least one item to the list of restrictions for the particular benefit; in response to a violation determination, generating, by the issuer server system processor, a distinguishable transaction suspension response message based on the violation; and, sending the distinguishable transaction suspension response message from the issuer server system to the merchant server system, said distinguishable transaction suspension response including indicia of a reason for suspending the purchase transaction, and required adjustments of a purchase item included in the purchase transaction based on the at least one of the restrictions; and conditionally resuming the purchase transaction via the merchant server system upon fulfillment of said required adjustments.