The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jan. 14, 2020

Filed:

May. 02, 2019
Applicant:

United Services Automobile Association (Usaa), San Antonio, TX (US);

Inventors:

James Christopher Watson, San Antonio, TX (US);

Gina R. Smith, Boerne, TX (US);

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 12/28 (2006.01); G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G06Q 10/10 (2012.01); G05B 15/02 (2006.01); G06Q 20/12 (2012.01); G06F 15/16 (2006.01); H04L 29/08 (2006.01); H04B 5/00 (2006.01);
U.S. Cl.
CPC ...
H04L 12/2809 (2013.01); G05B 15/02 (2013.01); G06F 15/16 (2013.01); G06Q 10/1095 (2013.01); G06Q 20/12 (2013.01); G06Q 20/202 (2013.01); G06Q 20/40 (2013.01); H04L 67/325 (2013.01); G05B 2219/2642 (2013.01); H04B 5/0031 (2013.01);
Abstract

Methods and systems for pre-configuring a payment vehicle are described. In some embodiments, transaction criteria pertaining to a payment vehicle is proactively received in advance of an anticipated transaction. A transaction authorization request may be received from a point of sale device and may be generated by the point of sale device in response to an attempted use of the payment vehicle. Information about the transaction in the transaction request may be compared with the transaction criteria to determine whether to authorize the transaction.


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