Patent ID: 9685024
Date: 2017-06-20
CPC Classifications: G06Q,G07F

Claim:
1. A method comprising: requesting an authorization of a transaction conducted by a user, the request for authorization including details of the transaction, wherein authorization includes receiving approval from an authorization subprocessor, wherein the authorization subprocessor compares a plurality of user selected authorization parameters and constraints with the details of the transaction during the transaction and approves or denies the transaction based on the comparison, the plurality of user selected authorization parameters and constraints selected by the user through an interface, wherein if the transaction details exceed the user selected authorization parameters and constraints, the transaction is always denied, wherein subsequent to an approval by the authorization subprocessor, the authorization request is sent to an authorization processor, the authorization processor approves or denies the transaction based on a comparison of the details of the transaction and issuer specified criteria, wherein the authorization subprocessor further compares the plurality of user selected authorization parameters and constraints with the details of the transaction and sends notifications to the user based on the comparison; and receiving an authorization response, the response indicating if the transaction is approved or denied, wherein the notifications are sent only if transactions are denied.