Patents Assigned to PSCU Financial Services
  • Method and apparatus for consumer driven protection for payment card transactions
    Patent number: 8725601
    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.
    Type: Grant
    Filed: January 14, 2009
    Date of Patent: May 13, 2014
    Assignee: PSCU Financial Services
    Inventors: Richard Howard Ledbetter, Deborah Joy Ingram, Suzanne Adrienne LaProva
  • Method and apparatus for consumer driven protection for payment card transactions
    Patent number: 8660955
    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.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: February 25, 2014
    Assignee: PSCU Financial Services
    Inventors: Richard Howard Ledbetter, Deborah Joy Ingram, Suzanne Adrienne LaProva
  • METHOD AND APPARATUS FOR CONSUMER DRIVEN PROTECTION FOR PAYMENT CARD TRANSACTIONS
    Publication number: 20130013513
    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.
    Type: Application
    Filed: September 14, 2012
    Publication date: January 10, 2013
    Applicant: PSCU Financial Services
    Inventors: Richard Howard LEDBETTER, Deborah Joy INGRAM, Suzanne Adrienne LaPROVA
  • METHOD AND APPARATUS FOR CONSUMER DRIVEN PROTECTION FOR PAYMENT CARD TRANSACTIONS
    Publication number: 20090164354
    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.
    Type: Application
    Filed: January 14, 2009
    Publication date: June 25, 2009
    Applicant: PSCU Financial Services
    Inventors: Richard Howard Ledbetter, Deborah Joy Ingram, Suzanne Adrienne LaProva