CA2674077A1 - Real-time balance updates - Google Patents

Real-time balance updates Download PDF

Info

Publication number
CA2674077A1
CA2674077A1 CA002674077A CA2674077A CA2674077A1 CA 2674077 A1 CA2674077 A1 CA 2674077A1 CA 002674077 A CA002674077 A CA 002674077A CA 2674077 A CA2674077 A CA 2674077A CA 2674077 A1 CA2674077 A1 CA 2674077A1
Authority
CA
Canada
Prior art keywords
notification
dynamic data
consumer
triggered
portable consumer
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
Application number
CA002674077A
Other languages
French (fr)
Inventor
Mark Carlson
Ayman Hammad
Patrick Faith
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa USA Inc
Original Assignee
Visa U.S.A. Inc.
Mark Carlson
Ayman Hammad
Patrick Faith
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Visa U.S.A. Inc., Mark Carlson, Ayman Hammad, Patrick Faith filed Critical Visa U.S.A. Inc.
Publication of CA2674077A1 publication Critical patent/CA2674077A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • 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 and a system that receive retrieve dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.

Claims (20)

1. A method comprising:
when a notification with dynamic data is triggered, retrieving the dynamic data associated with an account associated with a portable consumer device associated with a consumer; and automatically sending the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.
2. A method of Claim 1, wherein the dynamic data is a real-time balance update.
3. A method of Claim 1, wherein the dynamic data is a real-time rewards information update.
4. A method of Claim 1, further comprising:
retrieving enrollment information; and confirming that consumer is enrolled to receive the notification based on the enrollment information.
5. A method of Claim 1, wherein the notification is triggered by a transaction being conducted using a portable consumer device associated with the consumer, and wherein the dynamic data is based on an amount of the transaction being conducted.
6. A method of Claim 1, wherein the notification is triggered based on a time period predefined by the consumer, wherein automatically sending the notification to the notification device includes periodically sending the notification to the notification device based on the predefined time period.
7. A method of Claim 1, wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.
8. A method of Claim 1, wherein the notification is triggered by a signal sent from a contactless transmitter on portable consumer device to a contactless receiver on the notification device.
9. A method of Claim 1, wherein the notification with dynamic data is provided to consumer on a display.
10. A method of Claim 1, wherein the notification device is a phone, and wherein the notification sent to the notification device includes at least one of a phone call, voicemail, SMS, IM, or email.
11. A method comprising:
triggering a notification with dynamic data using a notification device, the dynamic data associated with an account associated with a portable consumer device associated with a consumer; and receiving the notification on the notification device.
12. A system comprising:
a payment processing network for generating and storing dynamic data; and a notification server coupled to the payment processing network, the notification server configured to:
when a notification with dynamic data is triggered, retrieve the dynamic data from the payment processing network, the dynamic data associated with an account associated with a portable consumer device associated with a consumer;
automatically send the notification with the dynamic data to the notification device, wherein the notification with dynamic data is provided to consumer.
13. The system of Claim 12, wherein the notification server is further configured to:
retrieve enrollment information; and confirm that consumer is enrolled to receive the notification based on the enrollment information.
14. The system of Claim 12, wherein the notification is triggered by a transaction being conducted using a portable consumer device associated with the consumer, and wherein the dynamic data is based on an amount of the transaction being conducted.
15. The system of Claim 12, wherein the notification is triggered based on a time period predefined by the consumer, and wherein automatically sending the notification to the notification device includes periodically sending the notification to the notification device based on the predefined time period.
16. The system of Claim 12, wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.
17. The system of Claim 12, wherein the notification is triggered by a signal sent from a contactless transmitter on portable consumer device to a contactless receiver on the notification device.
18. A phone, comprising:
a processor;
a receiver coupled to the processor;
an output device coupled to the processor; and a computer readable medium coupled to the processor, the computer readable medium includes code for displaying a notification including dynamic data to the output device after a portable consumer device is used by a consumer.
19. The phone of Claim 18, wherein the dynamic data is a balance associated with the portable consumer device.
20. The phone of Claim 18, wherein the portable consumer device is a prepaid card.
CA002674077A 2006-12-26 2007-12-21 Real-time balance updates Abandoned CA2674077A1 (en)

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/US2007/088704 WO2008083119A1 (en) 2006-12-26 2007-12-21 Real-time balance updates

Publications (1)

Publication Number Publication Date
CA2674077A1 true CA2674077A1 (en) 2008-07-10

Family

ID=39585952

Family Applications (3)

Application Number Title Priority Date Filing Date
CA002673986A Abandoned CA2673986A1 (en) 2006-12-26 2007-12-21 Customized payment transaction notification
CA002674074A Abandoned CA2674074A1 (en) 2006-12-26 2007-12-21 Coupon offers from multiple entities
CA002674077A Abandoned CA2674077A1 (en) 2006-12-26 2007-12-21 Real-time balance updates

Family Applications Before (2)

Application Number Title Priority Date Filing Date
CA002673986A Abandoned CA2673986A1 (en) 2006-12-26 2007-12-21 Customized payment transaction notification
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) EP2104916A4 (en)
JP (3) JP5303471B2 (en)
KR (2) KR20090096533A (en)
CN (6) CN101647040A (en)
AU (3) AU2007339976B2 (en)
BR (2) BRPI0720659A2 (en)
CA (3) CA2673986A1 (en)
WO (3) WO2008083119A1 (en)

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