Patent ID: 7143069

Claim:
A computer implemented system for facilitating secure dialog between a card holder and a card provider via a network, comprising: a card provider server including a database of information having a plurality of card holder accounts data, the account data including at least a card holder status, the card provider server configured to manipulate the database; a computer network; a remote card holder interface for providing card holder access to the network; a card provider virtual agent for communicating with the card holder interface and the card provider server to facilitate authorization of transactions; and a merchant processing system for communicating with the card holder interface and the card provider server, the merchant processing system for receiving a transaction request from the card holder interface, sending a transaction authorization request to the card provider server, and receiving a transaction authorization notice from the card provider server, the transaction authorization notice comprising an approval notice or a denial notice from the card provider server, wherein, in response to a denial notice from the card provider server, the merchant processing system provides a notification, in accordance with the transaction authorization notice, to the card holder interface, and the notification includes a linking means configured to enable the card holder to establish communication with the virtual agent through the card holder interface regarding the denied transaction request by selecting the linking means, which selection transmits information relating to the customer and the denied transaction to the virtual agent.