Vivek K Kumar

US Patent:

20230075219, Mar 9, 2023

Filed:

Sep 9, 2021

Appl. No.:

17/470021

Inventors:

- Armonk NY, US
Deepak Gupta - Indirapuram, IN
Vivek Kumar - Phoenix AZ, US
Siddharth K. Saraya - Raniganj, IN

International Classification:

G06Q 20/40
G06Q 20/34

Abstract:

An approach is provided for authorizing a card transaction. Data about spending by a user is received by a computer system, which is a server computer of a trade organization established by a card provider organization to include multiple merchants. The computer system is configured to authorize or decline card transactions. A predictive pattern of spending by the user is determined. A card transaction is detected. The card transaction is initiated by the user using a card to make a purchase from a merchant included in the trade organization. Card transaction information about the card transaction is obtained via an intranet. It is determined that the card transaction information matches the predictive pattern of spending. The card transaction is authorized without sending the card transaction information via the internet, or to a server or computer network of the card provider organization.