{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11514449","patent":{"patent_number":"US-11514449","title":"Pre-authorization of non-activated payment instruments at specific merchants","assignee":null,"inventors":[],"filing_date":"2019-10-31T00:00:00.000Z","publication_date":"2022-11-29T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q"],"num_claims":20,"abstract":"The present disclosure involves systems, software, and computer-implemented methods for pre-authorizing transactions using unactivated payment instruments at specific merchants. One example method includes receiving a transaction request associated with a no card present (NCP) transaction and a first credit account. In response to determining that the first credit account is associated with an unactivated payment instrument, a determination is made as to whether the credit account is associated with at least one pre-authorization rule for authorizing NCP transactions prior to activation of a payment instrument associated with the corresponding credit account is associated with the first credit account. If it is, a set of pre-authorization criteria associated with the at least one pre-authorization rule is identified, and the set of transaction data associated with the transaction request is compared to the criteria. If the transaction request satisfies the criteria, the transaction request is authorized and an authorization is transmitted."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Pre-authorization of non-activated payment instruments at specific merchants","description":"The present disclosure involves systems, software, and computer-implemented methods for pre-authorizing transactions using unactivated payment instruments at specific merchants. One example method inc","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11514449","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11514449","citation_suggestion":"Patentable. \"Pre-authorization of non-activated payment instruments at specific merchants\" (US-11514449). https://patentable.app/patents/US-11514449","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11514449","json":"https://patentable.app/api/llm-context/US-11514449","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T20:36:09.898Z"}