PARENTAL CONTROL IMPLEMENTED IN A SYSTEM FOR PROCESSING A TRANSACTION ASSOCIATED WITH A PAYMENT CARD OF A USER SUBJECT TO A DECISION MAKER

摘要

The invention relates to parental control of a transaction associated with a payment card (CARD) held by a user (UTI) subject to a decision maker (DEC). The processing system comprises a dorsal processing module (MOD_DEC) capable of: - receiving, from a decision-maker (DEC), a list of prohibited/authorised payment transactions to the detriment/benefit of the user (UTI) of the payment card, each payment transaction comprising an activity code of the merchant connected to the payment transaction; and - sending, in real time, the list of prohibited/authorised payment transactions thus created to a bank server (MOD_BANK); - a frontal processing module (MOD_MAR) suitable: - in response to a transaction request, from the user to a terminal of a merchant, of the payment card of the user; for sending a request to the bank processing module (MOD_BANK), said request comprising at least the activity code of the merchant connected to the payment transaction; - a bank processing module (MOD_BANK) suitable, - for dynamically storing, in a memory, the list of prohibited/authorised payment transactions for the user of the card; - for receiving the payment request in order to instantly extract the activity code of the merchant connected to the purchase; - for comparing said code thus extracted with the list of prohibited payment transactions; and - in the case of a positive comparison, prohibiting in real-time the payment for the user of the payment card, and - in the case of a negative comparison, authorising the payment.