Richard B Ledbetter

US Patent:

20130013513, Jan 10, 2013

Filed:

Sep 14, 2012

Appl. No.:

13/620156

Inventors:

Richard Howard LEDBETTER - Lithia FL, US
Deborah Joy INGRAM - Dover FL, US
Suzanne Adrienne LaPROVA - Seminole FL, US

Assignee:

PSCU Financial Services - St. Petersburg FL

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.

US Patent:

20090164354, Jun 25, 2009

Filed:

Jan 14, 2009

Appl. No.:

12/353733

Inventors:

Richard Howard Ledbetter - Lithia FL, US
Deborah Joy Ingram - Dover FL, US
Suzanne Adrienne LaProva - Seminole FL, US

Assignee:

PSCU Financial Services - St. Petersburg FL

International Classification:

G06Q 10/00
G06Q 20/00

US Classification:

705 30, 705 35

Abstract:

Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.