CONSUMER TRANSACTION LEASH CONTROL APPARATUSES, METHODS AND SYSTEMS

1 . A transaction payment control processor-implemented method, comprising:

obtaining, from a user device, payment control parameters via a user interface;

storing the payment control parameters with an account;

receiving a transaction payment request including payment account information and purchase information;

retrieving the stored payment control parameters based on the payment account information;

determining when the purchase information of the transaction payment request violates one or more of the stored payment control parameters; and

suspending the transaction payment request and sending an alert message to the user device,

the alert message including transaction information and a payment control violation indication.

2 . The method of claim 1 , wherein the payment control parameters includes a period of time that usage of an account is limited.

3 . The method of claim 1 , wherein the payment control parameters includes a maximum transaction amount for an account.

4 . The method of claim 1 , wherein the payment control parameters includes restricted usage to purchase a product category.

5 . The method of claim 1 , wherein the payment control parameters includes a blacklist of merchants that usage of the cards is limited.

6 . The method of claim 1 , wherein payment control parameters includes a maximum purchase frequency.

7 . The method of claim 1 , wherein payment control parameters are automatically configured by associating consumption pattern with a calendar event.

8 . The method of claim 1 , wherein the purchase information of the transaction payment request includes any of merchant information, purchase item information, and account information.

9 . The method of claim 1 , further comprising:

receiving a transaction approval indication from the user device; and

forwarding the transaction payment request to a payment processing unit.

10 . The method of claim 1 , further comprising:

generating suggested payment rule configuration in response to user approval of the transaction payment request.

11 . A transaction payment control apparatus, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions to:

obtain, from a user device, payment control parameters via a user interface;

store the payment control parameters with an account;

receive a transaction payment request including payment account information and purchase information;

retrieve the stored payment control parameters based on the payment account information;

determine when the purchase information of the transaction payment request violates one or more of the stored payment control parameters; and

suspend the transaction payment request and sending an alert message to the user device,

the alert message including transaction information and a payment control violation indication.

12 . The apparatus of claim 11 , wherein the payment control parameters includes a period of time that usage of an account is limited.

13 . The apparatus of claim 11 , wherein the payment control parameters includes a maximum transaction amount for an account.

14 . The apparatus of claim 11 , wherein the payment control parameters includes restricted usage to purchase a product category.

15 . The apparatus of claim 11 , wherein the payment control parameters includes a blacklist of merchants that usage of the cards is limited.

16 . The apparatus of claim 11 , wherein payment control parameters includes a maximum purchase frequency.

17 . The apparatus of claim 11 , wherein payment control parameters are automatically configured by associating consumption pattern with a calendar event.

18 . The apparatus of claim 11 , wherein the purchase information of the transaction payment request includes any of merchant information, purchase item information, and account information.

19 . The apparatus of claim 11 , wherein the processor further issues instructions to:

receive a transaction approval indication from the user device; and

forward the transaction payment request to a payment processing unit.

20 . A transaction payment control system, comprising:

means for obtaining, from a user device, payment control parameters via a user interface;

means for storing the payment control parameters with an account;

means for receiving a transaction payment request including payment account information and purchase information;

means for retrieving the stored payment control parameters based on the payment account information;

means for determining when the purchase information of the transaction payment request violates one or more of the stored payment control parameters; and

means for suspending the transaction payment request and sending an alert message to the user device,

the alert message including transaction information and a payment control violation indication.