Visa Inc.
System, method, and computer program product for authorizing a transaction

Abstract:

Provided is a computer-implemented method for remotely authorizing a transaction. The method includes receiving a transaction request including at least one user identifier, determining an authorizing user of a plurality of authorizing users based at least partially on the at least one user identifier, determining whether the authorizing user is online, communicating, to a user device associated with the at least one authorizing user, an authorization request message, wherein, if the authorizing user is online, the authorization request message includes a mobile device message configured to prompt the authorizing user to provide an approval of the transaction request, and wherein, if the authorizing user is offline, the authorization request message includes an automated telephone call configured to audibly prompt the authorizing user to provide an approval of the transaction request, and completing the transaction in response to receiving an approval of the transaction request from the authorizing user.