US 12,093,926 B2
Profile association and transaction authorization based on transaction type
Ayokunle Omojola, San Francisco, CA (US); and Ashutosh Sham Dhodapkar, Fremont, CA (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on Apr. 11, 2022, as Appl. No. 17/717,805.
Application 17/717,805 is a continuation of application No. 16/206,842, filed on Nov. 30, 2018, granted, now 11,315,108, issued on Apr. 26, 2022.
Prior Publication US 2022/0237591 A1, Jul. 28, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06K 19/06 (2006.01); G06K 19/07 (2006.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/356 (2013.01) [G06K 19/06028 (2013.01); G06K 19/06037 (2013.01); G06K 19/0723 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/405 (2013.01); G06Q 20/42 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer implemented method comprising:
receiving, at at least one computing device of a payment service, a card identifier associated with a transaction card associated with a first user;
associating, within a data structure associated with the payment service and by the at least one computing device, the transaction card with an account of the first user, wherein the account of the first user is associated with an account of a second user;
identifying, by the at least one computing device, one or more rules associated with the transaction card, wherein the one or more rules identify one or more merchants and identify whether to request authorization from the second user to process respective transactions that involve the transaction card and that involve at least one of the one or more merchants;
receiving, at the at least one computing device, a transaction indication indicating a request to use the transaction card for a transaction, wherein the transaction indication identifies information about the transaction;
determining, by the at least one computing device, based on the information about the transaction and the one or more rules, that the transaction involves a first merchant of the one or more merchants, wherein the one or more rules indicate that the authorization from the second user is to be requested for transactions involving the first merchant whereas transactions involving a second merchant are to be processed without the authorization;
receiving, at the at least one computing device, and from a user device associated with the second user, an authorization to process the transaction that involves the first merchant;
facilitating, by the at least one computing device, processing of the transaction using the account associated with the transaction card based on use of the transaction card, based on the transaction involving the first merchant, and based on receipt of the authorization to process the transaction;
receiving, at the at least one computing device, a second transaction indication indicating a request to use the transaction card for a second transaction, wherein the second transaction indication identifies second information about the second transaction;
determining, by the at least one computing device, based on the second information about the second transaction and the one or more rules, that the second transaction involves at least one of the one or more merchants; and
declining processing of the second transaction using the account associated with the transaction card based on a lack of authorization to process the second transaction from the user device associated with the second user.