Prepaid card specialist Blackhawk Network has been issued a patent that covers the DirectSpend RAN program and equivalent methods of filtering transactions. Blackhawk also owns a variety of patents that apply to e-wallet technology, swipe reload technology, card network processing, digital gift card delivery, gift card exchange, and card security technology.
The patent is for a computer system and computer implemented method for determining whether a transaction is valid based on whether the merchant is a merchant selected under the client card program from all participating merchants. The latest patent adds to Blackhawk’s other patents also applied to the DirectSpend program.
This latest patent allows Blackhawk to authorize transactions based on a determination that the transaction request is from a merchant that is part of the client program, as well as deny transaction requests from merchants that are not part of the client program.
Blackhawk has more than 55 patents.
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