Patent ID: 8167200
Filing Date: 2012-05-01
Classification: G06Q

Abstract:
1. A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer, the system comprising: an acquirer server in communication with an issuer server, the communication occurring through a data control center; a remote merchant terminal located with the merchant and in communication with the acquirer, the merchant terminal configured to forward the transaction amount and user data the card contains through communication with the acquirer server, and in turn, to the data control center for authorization; the data control center to assign an identification code representative of the transaction to the transaction and to forward the identification code, the transaction amount, and the user data to the issuer server for inclusion in records of the transaction; and the issuer server for initiating a portable communications device communication to the user at a portable communications device the user has previously identified to the issuer.