Method and apparatus for consumer driven protection for payment card transactions

This invention describes a system that lets you, the cardholder, set very specific rules for how your payment card can be used. You could specify, for example, that your card only works at certain stores, within a specific spending range, or on particular dates. When you try to make a purchase, a server checks your transaction against these personal rules, and if it doesn't match, the transaction is immediately blocked.

Why it matters: Since 2012, the ubiquity of mobile banking and open APIs has made consumer-driven financial controls both expected and technically easier to implement. This enables direct user configuration of payment card rules within existing transaction flows.

Status: ExpiredProtection ended and was never renewed
How hard to build: SpecializedSoftware logic, server infrastructure, secure data handling

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