CA2673986A1 - Customized payment transaction notification - Google Patents
Customized payment transaction notification Download PDFInfo
- Publication number
- CA2673986A1 CA2673986A1 CA002673986A CA2673986A CA2673986A1 CA 2673986 A1 CA2673986 A1 CA 2673986A1 CA 002673986 A CA002673986 A CA 002673986A CA 2673986 A CA2673986 A CA 2673986A CA 2673986 A1 CA2673986 A1 CA 2673986A1
- Authority
- CA
- Canada
- Prior art keywords
- alert
- consumer
- transaction
- communication mode
- occurring
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Classifications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/24—Accounting or billing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3221—Access to banking information through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/68—Payment of value-added services
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/80—Rating or billing plans; Tariff determination aspects
- H04M15/8033—Rating or billing plans; Tariff determination aspects location-dependent, e.g. business or home
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
- H04M15/835—Time or frequency of notifications, e.g. Advice of Charge [AoC]
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
- H04M15/84—Types of notifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
- H04M15/85—Notification aspects characterised by the type of condition triggering a notification
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
- H04M15/85—Notification aspects characterised by the type of condition triggering a notification
- H04M15/851—Determined tariff
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
- H04M15/85—Notification aspects characterised by the type of condition triggering a notification
- H04M15/854—Available credit
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/01—Details of billing arrangements
- H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/74—Rating aspects, e.g. rating parameters or tariff determination apects
- H04M2215/7435—Location dependent, e.g. Bussiness or home
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
- H04M2215/8104—Time or frequency of notification
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
- H04M2215/8129—Type of notification
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
- H04M2215/815—Notification when a specific condition, service or event is met
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
- H04M2215/815—Notification when a specific condition, service or event is met
- H04M2215/8166—Available credit
Abstract
A method for customizing alerts and notifications for portable consumer device transactions is disclosed. One embodiment of the invention is directed to a method comprising receiving information that a transaction associated with a portable consumer device is occurring, and providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
Claims (26)
1. A method comprising:
receiving information that a transaction associated with a portable consumer device is occurring; and providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
receiving information that a transaction associated with a portable consumer device is occurring; and providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
2. The method of claim 1 wherein the alert is sent to the consumer if the transaction that is occurring is over a predetermined amount, the transaction is of a predetermined type, the transaction is made outside a geographic location specified by the consumer, the transaction is determined to be a risky transaction, the transaction being conducted without the portable consumer device being physically present at a point of sale, the transaction is a cash transaction, the transaction is a particular type of user-defined transaction, the transaction involves account access, the transaction indicates that a person is entering or exiting a location, the transaction indicates that a payment is due or overdue, or the transaction indicates that a specified person is conducting the transaction.
3. The method of claim 1 wherein the alert is sent to the consumer according to the time and communication mode previously specified by the consumer.
4. The method of claim 1 wherein a portable consumer device is in the form of a card, and wherein the alert is sent to a phone operated by the consumer.
5. The method of claim 1 wherein the alert is a first alert, and wherein a second alert is sent to the consumer through another communication mode.
6. The method of claim 1 further comprising:
receiving, via an interface, a user-specified time and communication mode for receiving the alert.
receiving, via an interface, a user-specified time and communication mode for receiving the alert.
7. The method of claim 1 wherein the communication mode includes using at least one of a phone call, voicemail, SMS, instant message, and an e-mail.
8. The method of claim 1 wherein the consumer previously provided a trigger specifying a condition under which the alert would be sent.
9. A computer readable medium comprising:
code for receiving information that a transaction associated with a portable consumer device is occurring; and code for providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
code for receiving information that a transaction associated with a portable consumer device is occurring; and code for providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
10. The computer readable medium of claim 9 wherein the alert is a first alert, and wherein the computer readable medium further comprises code for sending the second alert to the consumer through another communication mode.
11. The computer readable medium of claim 9 wherein the information is received via a payment processing network, and wherein the payment processing network is configured to process credit and debit card transactions.
12. The computer readable medium of claim 9 wherein the alert is in the form of a phone call.
13. A server computer comprising the computer readable medium of claim 9.
14. The server computer of claim 13 wherein the server computer is in communication with a payment processing network.
15. The server computer of claim 13 wherein the alert is a first alert, and wherein the computer readable medium further comprises code for sending the second alert to the consumer through another communication mode.
16. A client computer comprising a processor, and a computer readable medium, wherein the computer readable medium comprises instructions for executing a method comprising:
receiving information on how to be notified if a predetermined activity is occurring with respect to a portable consumer device, wherein an alert is provided in manner consistent with the information provided if the predetermined activity is occurring wherein the information provided is a result of a consumer's choice to customize an alert for each predetermined activity by using an interface that allows a user to customize the alert according to at least communication mode and time;
and sending the information to a notification server.
receiving information on how to be notified if a predetermined activity is occurring with respect to a portable consumer device, wherein an alert is provided in manner consistent with the information provided if the predetermined activity is occurring wherein the information provided is a result of a consumer's choice to customize an alert for each predetermined activity by using an interface that allows a user to customize the alert according to at least communication mode and time;
and sending the information to a notification server.
17. The client computer of claim 16 further comprising a display coupled to the processor, wherein the display displays an interface showing the consumer customized times, communication modes, and triggers for alerts.
18. The client computer of claim 16 wherein the interface is a Web interface.
19. The client computer of claim 16 wherein the alert is in the form of a phone call.
20. A method comprising:
providing information on how to be notified if a predetermined activity is occurring with respect to a portable consumer device; and receiving an alert in manner consistent with the information provided if the predetermined activity is occurring wherein the information provided is a result of the consumer's choice to customize an alert for each predetermined activity by communication mode and time.
providing information on how to be notified if a predetermined activity is occurring with respect to a portable consumer device; and receiving an alert in manner consistent with the information provided if the predetermined activity is occurring wherein the information provided is a result of the consumer's choice to customize an alert for each predetermined activity by communication mode and time.
21. The method of claim 20 wherein the information provided includes a time when a consumer wants to be notified.
22. The method of claim 20 wherein the information provided includes a date when a consumer wants to be notified.
23. The method of claim 20 wherein the information provided includes a communication mode by which a consumer wants to be notified.
24. The method of claim 20 wherein the communication mode includes a phone call, voicemail, SMS, instant message, and e-mail.
25. The method of claim 20 wherein the alert is initiated after conditions set by an issuer or payment processing organization are met.
26. A phone comprising a processor, and a computer readable medium coupled to the processor, wherein the computer readable medium comprises code for receiving an alert, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the consumer to specify the time and communication mode for receiving the alert.
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US87189806P | 2006-12-26 | 2006-12-26 | |
US60/871,898 | 2006-12-26 | ||
PCT/US2007/088563 WO2008083078A2 (en) | 2006-12-26 | 2007-12-21 | Customized payment transaction notification |
Publications (1)
Publication Number | Publication Date |
---|---|
CA2673986A1 true CA2673986A1 (en) | 2008-07-10 |
Family
ID=39585952
Family Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA002674077A Abandoned CA2674077A1 (en) | 2006-12-26 | 2007-12-21 | Real-time balance updates |
CA002674074A Abandoned CA2674074A1 (en) | 2006-12-26 | 2007-12-21 | Coupon offers from multiple entities |
CA002673986A Abandoned CA2673986A1 (en) | 2006-12-26 | 2007-12-21 | Customized payment transaction notification |
Family Applications Before (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CA002674077A Abandoned CA2674077A1 (en) | 2006-12-26 | 2007-12-21 | Real-time balance updates |
CA002674074A Abandoned CA2674074A1 (en) | 2006-12-26 | 2007-12-21 | Coupon offers from multiple entities |
Country Status (9)
Country | Link |
---|---|
US (2) | US20080183480A1 (en) |
EP (2) | EP2104915A4 (en) |
JP (3) | JP2010515166A (en) |
KR (2) | KR20090104069A (en) |
CN (6) | CN101647040A (en) |
AU (3) | AU2007339930B2 (en) |
BR (2) | BRPI0720676A2 (en) |
CA (3) | CA2674077A1 (en) |
WO (3) | WO2008083119A1 (en) |
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2007
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