US20100274653A1 - Notification social networking - Google Patents

Notification social networking Download PDF

Info

Publication number
US20100274653A1
US20100274653A1 US12/569,483 US56948309A US2010274653A1 US 20100274653 A1 US20100274653 A1 US 20100274653A1 US 56948309 A US56948309 A US 56948309A US 2010274653 A1 US2010274653 A1 US 2010274653A1
Authority
US
United States
Prior art keywords
updated
transaction
merchant
user
identifier
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
US12/569,483
Inventor
Ayman Hammad
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 International Service Association
Original Assignee
Visa International Service Association
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 International Service Association filed Critical Visa International Service Association
Priority to US12/569,483 priority Critical patent/US20100274653A1/en
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION reassignment VISA INTERNATIONAL SERVICE ASSOCIATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: HAMMAD, AYMAN
Priority to PCT/US2010/032596 priority patent/WO2010129291A2/en
Publication of US20100274653A1 publication Critical patent/US20100274653A1/en
Abandoned legal-status Critical Current

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/386Payment protocols; Details thereof using messaging services or messaging apps
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4015Transaction verification using location information
    • G06Q20/40155Transaction verification using location information for triggering transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/018Certifying business or products
    • G06Q30/0185Product, service or business identity fraud
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224Discounts or incentives, e.g. coupons or rebates based on user history
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0236Incentive or reward received by requiring registration or ID from user
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/26Government or public services
    • G06Q50/265Personal security, identity or safety
    • GPHYSICS
    • G08SIGNALLING
    • G08BSIGNALLING OR CALLING SYSTEMS; ORDER TELEGRAPHS; ALARM SYSTEMS
    • G08B25/00Alarm systems in which the location of the alarm condition is signalled to a central station, e.g. fire or police telegraphic systems
    • G08B25/004Alarm propagated along alternative communication path or using alternative communication medium according to a hierarchy of available ways to communicate, e.g. if Wi-Fi not available use GSM
    • GPHYSICS
    • G08SIGNALLING
    • G08BSIGNALLING OR CALLING SYSTEMS; ORDER TELEGRAPHS; ALARM SYSTEMS
    • G08B5/00Visible signalling systems, e.g. personal calling systems, remote indication of seats occupied
    • G08B5/22Visible signalling systems, e.g. personal calling systems, remote indication of seats occupied using electric transmission; using electromagnetic transmission
    • G08B5/222Personal calling arrangements or devices, i.e. paging systems
    • G08B5/223Personal calling arrangements or devices, i.e. paging systems using wireless transmission
    • G08B5/224Paging receivers with visible signalling details
    • G08B5/229Paging receivers with visible signalling details with other provisions not elsewhere provided for
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00Data switching networks
    • H04L12/02Details
    • H04L12/16Arrangements for providing special services to substations
    • H04L12/18Arrangements for providing special services to substations for broadcast or conference, e.g. multicast
    • H04L12/1895Arrangements for providing special services to substations for broadcast or conference, e.g. multicast for short real-time information, e.g. alarms, notifications, alerts, updates
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/01Protocols
    • H04L67/04Protocols specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/2866Architectures; Arrangements
    • H04L67/30Profiles
    • H04L67/306User profiles
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/50Network services
    • H04L67/55Push-based network services

Definitions

  • the consumer When a user conducts a purchase transaction with a credit card or a debit card, details of that transaction are forwarded to the consumer at some point in time.
  • the consumer may be notified of the transaction in his monthly credit or debit card statement, and/or may be notified of the transaction by a transaction notification alert that is sent to the consumer's phone.
  • the transaction notification may include a merchant identifier, the date on which the transaction occurred, and the amount of the purchase.
  • the merchant identifier that is sent to the consumer is not clear and the consumer may not recognize the particular merchant identifier in the notification alert or in his monthly statement.
  • the actual merchant that conducted the transaction may operate under a tradename that is different than the real name of the merchant.
  • the consumer may get the incorrect impression that some type of fraud is occurring. The consumer may erroneously contact the issuer to report the alleged fraud, only to learn that the transaction was legitimate and that a mistake had been made.
  • the transaction information that is sent to the user may simply be incorrect.
  • the name of the merchant in the transaction notification may simply be incorrect or misspelled, due to a data error at a central server. If this information is incorrect, then the central server that provides such transaction information to the consumer and others may continue to provide incorrect information. It would be desirable if there was an efficient way to “clean” transaction data so that incorrect data in a payment processing system (or the like) is corrected in a timely manner so that subsequent transactions are conducted and reported with accuracy.
  • Embodiments of the invention address these and other problems, individually and collectively.
  • Embodiments of the invention are directed to methods, computer readable media, devices, computer apparatuses, and systems.
  • One embodiment of the invention is directed to a method comprising: a) sending a first transaction notification message comprising an original payee identifier to a user; b) receiving updated transaction information at a central server computer; c) storing the updated transaction information in a database; and d) sending a second transaction notification message using the updated transaction information to the user.
  • Another embodiment of the invention is directed to a method comprising: a) receiving a first transaction notification message, wherein the first transaction notification message comprises an original payee identifier; b) providing updated transaction information to a central server computer after receiving the first transaction notification message; and c) receiving a second transaction notification message, wherein the second transaction notification message is generated using the updated transaction information.
  • a transaction notification message with a merchant identifier (e.g., Yummy Brands Store 12345) is sent to a phone operated by a user.
  • the merchant identifier may not be readily identifiable by the user. If this is the case, then the user may provide an updated identifier to the central server computer by contacting a Web site accessible to the central server computer.
  • a corporation such as Yummy Brands may identify a particular restaurant in a particular city as “Yummy Brands Store 12345” and this may be reflected in a transaction notification message that is sent to the user.
  • the user receives a message or an indication on his monthly statement of a charge at “Yummy Brands Store 12345,” he may not recognize it.
  • Yummy Brands Store 12345 Upon learning that Yummy Brands Store 12345 operates under the tradename “Tennessee Fried Chicken” in Smalltown, Calif., the user may contact a central server that operates a central Website. On that Website, the user may enter an updated merchant identifier such as “Tennessee Fried Chicken” in Smalltown, Calif. for “Yummy Brands Store 12345.” The updated merchant identifier may be more easily recognizable by the user when he receives subsequent transaction notification messages from that merchant.
  • the Web site can be used for other purposes as well.
  • the Web site can be used as a site for rating the particular merchant and other merchants.
  • the merchant may see the rating information pertinent to the merchant, and could also send coupons to the user and/or may respond to user comments.
  • the ratings can be provided by users in response to alert messages that are received by the merchant.
  • embodiments of the invention are directed to computer readable media comprising computer code for implementing a method, such as the above-described methods, executed by a processor.
  • embodiments of the invention are directed to devices and computers comprising the computer readable media.
  • FIG. 1 shows a block diagram of a system according to an embodiment of the invention that can be used in some embodiments of the invention.
  • FIG. 2 shows a block diagram of components in a payment processing network.
  • FIG. 3 shows a flowchart illustrating a method according to an embodiment of the invention.
  • FIG. 4 shows a flowchart illustrating a method according to another embodiment of the invention.
  • FIG. 5 shows a mobile phone with a first notification message.
  • FIG. 6 shows a screenshot of a user interface.
  • FIG. 7 shows a mobile phone with a second notification message.
  • FIG. 8 shows a mobile phone with a message comprising an offer.
  • FIG. 9 shows a block diagram of a computer apparatus.
  • FIG. 10 shows a block diagram of components in a mobile phone.
  • FIG. 11 shows an illustration of a card.
  • One embodiment of the invention is directed to a method including a) sending a first transaction notification message comprising an original payee identifier (e.g., a merchant identifier) to a user.
  • the original payee identifier may be part of original transaction information associated with a first transaction.
  • the user sees this transaction information and wants to correct one or more items in the transaction information. For example, the user may not recognize that the original payee identifier is wrong or is otherwise unrecognizable. In another example, the user may simply determine that there is an error in the transaction notification information.
  • Other types of data errors include transaction amount calculation errors, transaction type errors (e.g., the transaction is a card present transaction, but the alert message indicated that the transaction is a card not present type of transaction); the transaction was a contactless transaction when the alert message indicated that the transaction was a magnetic stripe transaction), etc.
  • the user may then contact a central server (e.g., via a Web site) and may provide updated transaction information such as an updated merchant identifier to the central server computer. This updated transaction information may be stored so that subsequent transactions can be accurately conducted and reported to the user, and other users.
  • FIG. 1 A system according to an embodiment of the invention is shown in FIG. 1 .
  • FIG. 1 shows a system 20 that can be used in an embodiment of the invention.
  • the system 20 includes a merchant 22 and an acquirer 24 associated with the merchant 22 .
  • a consumer such as user 30 may purchase goods or services at the merchant 22 using a portable consumer device such as portable consumer device B 32 - 2 (or portable consumer device A 32 - 1 or consumer device 32 - 3 ).
  • the user 30 may be an individual, or an organization such as a business that is capable of purchasing goods or services.
  • the acquirer 24 can communicate with an issuer 28 via a payment processing network 26 .
  • an “issuer” is typically a business entity (e.g., a bank) which maintains financial accounts for the user and often issues a portable consumer device such as a credit or debit card to the user.
  • a “merchant” is typically an entity that engages in transactions and can sell goods or services.
  • An “acquirer” is typically a business entity (e.g., a commercial bank) that has a business relationship with a particular merchant or other entity. Some entities can perform both issuer and acquirer functions. Embodiments of the invention encompass such single entity issuer-acquirers.
  • user 30 can use at least two different types of portable consumer devices including consumer device A 32 - 1 and portable consumer device B 32 - 2 .
  • consumer device A 32 - 1 may be in the form of a phone
  • portable consumer device B 32 - 2 may be in the form of a card.
  • the consumer device A 32 - 1 may consequently be used to communicate with the issuer 28 via a telecommunications gateway 60 , a telecommunications network 70 , and a payment processing network 26 .
  • the different consumer devices A 32 - 1 and B 32 - 2 could be linked to the same issuer account number, or could be linked to respectively different issuer account numbers.
  • User 30 may also use a consumer device 32 - 3 such as a personal computer to communicate with the payment processing network 26 and/or the merchant 22 via the Internet 72 .
  • the consumer devices may be in any suitable form.
  • the consumer devices are portable in nature and may be portable consumer devices. Suitable portable consumer devices can be hand-held and compact so that they can fit into a user's wallet and/or pocket (e.g., pocket-sized). They may include smart cards, ordinary credit or debit cards (with a magnetic strip and without a microprocessor), keychain devices (such as the SpeedpassTM commercially available from Exxon-Mobil Corp.), etc. Other examples of portable consumer devices include cellular phones, personal digital assistants (PDAs), pagers, payment cards, security cards, access cards, smart media, transponders, and the like.
  • the portable consumer devices can also be debit devices (e.g., a debit card), credit devices (e.g., a credit card), or stored value devices (e.g., a stored value card).
  • Each consumer device may comprise a body, and a memory comprising a computer readable medium disposed on or within the body.
  • the consumer device may also include a processor coupled to the memory, where greater functionality and/or security are desired.
  • the consumer device may include a computer readable medium comprising code for causing a processor to execute a method comprising a) receiving a first transaction notification message, wherein the first transaction notification message comprising transaction information comprising an original payee identifier; b) providing updated transaction information to a central server computer after receiving the first transaction notification message; and c) receiving a second transaction notification message, wherein the second transaction notification message is generated using the updated transaction information.
  • the computer readable medium may also comprise e) code for receiving an offer with the updated payee identifier.
  • the payment processing network 26 may include data processing subsystems, networks, and operations used to support and deliver authorization services, exception file services, and clearing and settlement services.
  • An exemplary payment processing network may include VisaNetTM.
  • Payment processing networks such as VisaNetTM are able to process credit card transactions, debit card transactions, and other types of commercial transactions.
  • VisaNetTM in particular, includes a VIP system (Visa Integrated Payments system) which processes authorization requests and a Base II system which performs clearing and settlement services.
  • the payment processing network 26 may include a server computer 26 ( a ), and a database 26 ( b ) operatively coupled to the server computer 26 ( a ).
  • a server computer is typically a powerful computer or cluster of computers.
  • the server computer can be a large mainframe, a minicomputer cluster, or a group of servers functioning as a unit.
  • the server computer may be a database server coupled to a Web server.
  • the payment processing network 26 may use any suitable wired or wireless network, including the Internet.
  • the server computer 26 ( a ) in the payment processing network 26 may comprise code for causing a processor to implement a method comprising: a) sending a first transaction notification message comprising transaction information comprising an original payee identifier to a user; b) receiving updated transaction information at a central server computer; c) storing the updated transaction information in a database; and d) sending a second transaction notification message using the updated transaction information to the user.
  • the method may also comprise e) sending an offer to the user after receiving the updated payee identifier. In some cases, step e) may be performed before step d).
  • the database 26 ( b ) may store any suitable type of information. Suitable information that may be stored in the database 26 ( b ) may include original merchant identifiers, suggested merchant identifiers and updated merchant identifiers. Other information that may be included in the database 26 ( b ) may be data that links the original merchant identifiers to updated and/or suggested merchant identifiers. Yet other information that may be included in the database 26 ( b ) may include information that updates systematic errors in the system.
  • the server computer 26 ( a ) may also comprise a host site (e.g., a Web site) 26 ( a )- 1 , and a number of functional modules.
  • the functional modules may comprise a notification module 26 ( a )- 2 , a merchant update module 26 ( a )- 3 , an offer module 26 ( a )- 4 , and a payment processing module 26 ( a )- 5 .
  • Each of these modules may comprise any suitable combination of hardware and/or software to accomplish the functions described herein.
  • the Web site 26 ( a )- 1 may be used by a user 30 to provide updated information, and may be used to the user 30 to provide merchant feedback, as well as receive merchant responses (e.g., offers or responses to negative comments).
  • the notification module 26 ( a )- 2 may be configured to send transaction notification messages in the form of SMS messages, e-mails and the like to the user. They may be sent, for example, to portable consumer device A 32 - 1 via the telecommunications network 70 and the telecommunications gateway 60 . Alternatively or additionally, they may be sent to consumer device C 32 - 3 via the Internet 72 .
  • the update module 26 ( a )- 3 may be configured to process update information from the user 30 such as updated merchant identifier information. Updated merchant identifiers may be received from the user 30 and may be stored in the database 26 ( b ).
  • the offer module 26 ( a )- 4 is configured to provide offers (e.g., coupons) in response to any updates provided by the user 30 .
  • offers e.g., coupons
  • the offer may provide an offer for a merchant 22 after receiving an updated merchant identifier for that merchant 22 .
  • the offer may include the updated merchant identifier, and the offer module 26 ( a )- 4 may work with the notification module to send the offer to the portable consumer device A 32 - 1 and/or the consumer device C 32 - 3 .
  • it may generate offers independent of any updates provided by the user 30 .
  • the payment processing module 26 ( a )- 5 may comprise appropriate logic to process electronic payments.
  • the payment processing module 26 ( a )- 5 may include an authorization sub-module for receiving and passing authorization request messages to appropriate issuers for approval. It may also include a clearing and settlement sub-module for clearing and settling transactions between different issuers and acquirers.
  • the merchant 22 may also have, or may receive communications from, an access device 34 that can interact with the portable consumer device 32 .
  • the access devices can be in any suitable form. Examples of access devices include point of sale (POS) devices, cellular phones, PDAs, personal computers (PCs), tablet PCs, handheld specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), kiosks, security systems, access systems, and the like.
  • POS point of sale
  • PCs personal computers
  • ATMs automated teller machines
  • VCRs virtual cash registers
  • kiosks security systems, access systems, and the like.
  • any suitable point of sale terminal may be used including card readers.
  • the card readers may include any suitable contact or contactless mode of operation.
  • exemplary card readers can include RF (radio frequency) antennas, magnetic stripe readers, etc. to interact with the portable consumer devices 32 .
  • FIGS. 1-8 Methods according to embodiments of the invention can be described with reference to FIGS. 1-8 . Although specific sequences of steps are described, it is understood that embodiments of the invention are not limited to the order of the specific steps described, and that any suitable combination of steps may be included in embodiments of the invention.
  • the user 30 may conduct a transaction with a merchant 22 .
  • the transaction may be conducted in person, or may be conducted via the Internet 72 , as described above.
  • a user 30 purchases a good or service at the merchant 22 using a portable consumer device such as portable consumer device B 32 - 2 , which may be in the form of a credit card.
  • the user's portable consumer device B 32 - 2 can interact with an access device 34 such as a POS (point of sale) terminal at the merchant 22 .
  • an access device 34 such as a POS (point of sale) terminal at the merchant 22 .
  • the user 30 may take the credit card and may swipe it through an appropriate slot in the POS terminal.
  • the POS terminal may be a contactless reader
  • the portable consumer device B 32 - 2 may be a contactless device such as a contactless card.
  • An authorization request message is then forwarded to the acquirer 24 .
  • the authorization request message is then sent to the payment processing network 26 .
  • the payment processing network 26 then forwards the authorization request message to the issuer 28 of the portable consumer device B 32 - 2 .
  • the issuer 28 After the issuer 28 receives the authorization request message, the issuer 28 sends an authorization response message back to the payment processing network 26 to indicate whether or not the current transaction is authorized (or not authorized).
  • the transaction processing system 26 (or the server computer located therein) then forwards the authorization response message back to the acquirer 24 .
  • the acquirer 24 then sends the response message back to the merchant 22 .
  • the access device 34 at the merchant 22 may then provide the authorization response message for the consumer 30 .
  • the response message may be displayed by the access device 34 , or may be printed out on a receipt.
  • a clearing process is a process of exchanging financial details between and acquirer and an issuer to facilitate posting to a consumer's account and reconciliation of the consumer's settlement position. Clearing and settlement can occur simultaneously.
  • the user 30 may use his consumer device C 32 - 3 and may contact the Web site of the merchant 22 via the Internet 72 .
  • the user 30 may select goods for purchase and may enter information onto the Web site including payment card information.
  • the merchant 22 may then request authorization of the transaction from the issuer 28 , and a clearing and settlement process may be performed after the authorization process is performed.
  • a first transaction notification message is sent to the user 30 and is received by the user 30 at any consumer devices 32 - 1 , 32 - 3 that he may use.
  • the sending and the receipt of the transaction notification message may be substantially contemporaneous with the initiation of the transaction. For example, it may be sent and received by a consumer device within 20 seconds, or 1, 5, or 10 minutes of the initiation of the transaction.
  • the transaction notification message may sent by any suitable entity in any suitable manner.
  • the transaction notification message may be in the form of an electronic message such as an e-mail or SMS message, or a voice response message.
  • transaction notification message such as “Transaction ID: 789101; A $20 purchase was made at Yummy Brands Store 12345 Using CRD2” may be sent from the payment processing network 26 and to the user's portable consumer device 32 - 1 via the telecommunications network 70 and the telecommunications gateway 60 .
  • the transaction notification message may be included with a number of other transaction notification messages on periodic account statements (e.g., monthly statements) that are mailed to the user 30 .
  • the first transaction notification message may include any suitable data elements.
  • the transaction notification message may include a transaction identifier (e.g., a transaction number), the date of the transaction, the time of the transaction, the amount of the transaction, the type of transaction (e.g., a card not present or a card present type of transaction) an alias for a portable consumer device such as a payment card, and an original merchant identifier.
  • a transaction identifier e.g., a transaction number
  • the date of the transaction e.g., the time of the transaction, the amount of the transaction, the type of transaction (e.g., a card not present or a card present type of transaction) an alias for a portable consumer device such as a payment card
  • an original merchant identifier can be an identifier that was originally created by the merchant, and that has not yet been updated by a user.
  • the user 30 may determine that the transaction information in the transaction notification needs to be updated.
  • the transaction information may need to be updated for any number of reasons.
  • the original merchant identifier may not be readily recognizable by the user 30 .
  • the user 30 may not recognize the original merchant identifier “Yummy Brands Store 12345,” because “Yummy Brands” is the corporate name and not the tradename of the merchant that the user 30 did business with. Because of the difference in name in the transaction notification message and the tradename of the merchant involved with the transaction, the user 30 may also erroneously contact the issuer 28 to dispute the transaction only to later learn that he did in fact conduct the transaction.
  • the user 30 will determine that the original merchant identifier “Yummy Brands Store 12345” is actually the same merchant as “Tennessee Fried Chicken” in Smalltown, Calif. In other cases, the user may want to customize the name of the merchant so that it is more recognizable to the user, even though the user may recognize the original merchant identifier.
  • transaction information in a transaction notification may simply be wrong.
  • the name of the merchant, the amount of the transaction, etc. may be incorrect. This may reflect some systematic error that is occurring within the system.
  • the user 30 may submit an updated merchant identifier to the payment processing network 26 .
  • This can be done in any number of ways.
  • the user 30 may use the consumer device A 32 - 1 , consumer device C 32 - 3 , or any other suitable device, and may contact the Web site 26 ( a )- 1 run by the server computer 26 ( a ) in the payment processing network 26 .
  • the user 30 may be presented with a Web page like that shown in FIG. 6 , where the user 30 may input the transaction identifier, an updated merchant identifier (e.g., “Tennessee Fried Chicken”), and, optionally, the original merchant identifier (e.g., “Yummy Brands Store 12345”).
  • an updated merchant identifier e.g., “Tennessee Fried Chicken”
  • the original merchant identifier e.g., “Yummy Brands Store 12345”.
  • the user 30 could select from a predetermined list of possible updated merchant identifiers in a drop down menu or the like.
  • the list of updated identifiers could have been compiled from suggestions from other users, or may have been created by another entity (e.g., merchants, payment processing organizations, issuers, etc.).
  • the selection of the updated merchant identifier may be transmitted to the server computer 26 ( a ), and the update module 26 ( a )- 3 may update the database 26 ( b ) with this information.
  • the user 30 may provide information other than an updated merchant identifier. For example, if the amount of the transaction is incorrect, then the user may notify a central server of this, using the consumer device that received the original transaction notification message. If many users provide the same or similar response, the central server will be informed that a systematic error is present and that it should be corrected.
  • a second transaction is conducted by the user 30 at that same merchant 22 .
  • the second transaction may occur in the same or different manner than the first transaction that is described above.
  • the server computer 26 ( a ) in the payment processing network 26 can retrieve the updated merchant identifier from the database 26 ( b ) and may generate a transaction notification message with the updated merchant identifier, the transaction amount, payment device identifier (e.g., a card alias), the current time and/or date, etc.
  • a second transaction notification message comprising the updated merchant identifier (e.g., “Tennessee Fried Chicken”) is then sent to the user 30 , and is thereafter received by the user 30 (step 318 ).
  • the updated merchant identifier e.g., “Tennessee Fried Chicken”
  • a transaction message with the updated merchant identifier is shown in FIG. 7 .
  • the second notification message could be received at any of the consumer devices 32 - 1 , 32 - 2 , 32 - 3 .
  • the sending and the receipt of the transaction notification message may be substantially contemporaneous with the initiation of the transaction. For example, it may be sent and received by a consumer device within 20 seconds, or 1, 5, or 10 minutes of the initiation of the transaction.
  • a transaction notification message including an updated merchant identifier may be provided to the user 30 .
  • the updated merchant identifier is immediately recognizable to the user 30 , and the user 30 is not likely to assume that the transaction is not one that he conducted.
  • Data validation mechanisms can include offers that validate that the user recognizes the updated merchant identifier or any other type of updated data. Such offers not only validate changes in the system, but can also drive business back to merchants and can help appease the user 30 if the user provided negative comments about the merchant 22 or other entity after receiving an erroneous notification message.
  • the server computer 26 ( a ) in the payment processing network 26 may send an offer to the user 30 , and the user 30 may receive the offer.
  • the offer may contain the updated merchant identifier, and may provide for a discount on the next purchase conducted by the user 30 at that merchant 22 .
  • FIG. 8 shows a coupon that is sent to the user's portable consumer device 32 - 1 indicating that a discount can be received at the merchant 22 .
  • the user 30 can conduct a third transaction at the merchant 22 and may redeem the coupon at the merchant 22 .
  • the third transaction may be conducted in the same or different manner than the first and second transactions that are described above.
  • offer redemption data and third transaction data e.g., data such as the transaction amount, merchant ID, and account number
  • the offer redemption data may indicate that the user 30 intends to redeem the offer.
  • the server computer 26 can provide apply the discount to the current purchase, and can generate a subsequent authorization request message with the updated transaction amount and may send it to the issuer 28 for approval.
  • the notification module 26 ( a )- 2 can then send a third transaction notification message back to any of the consumer devices (e.g., 32 - 1 or 32 - 3 ).
  • the transaction notification message may contain the updated merchant identifier, an indication that the offer was redeemed, the original purchase price, and the amount of the discount applied.
  • the server computer 26 ( a ) can update the database 26 ( b ) to indicate that the new merchant identifier is correct and that the consumer validated the new merchant identifier by using the offer with the new merchant identifier. Since the database 26 ( b ) is updated, any subsequent transaction notification messages for the user 30 or other users may have a more user friendly description of the merchant.
  • FIG. 9 The various participants and elements in FIG. 1 may operate one or more computer apparatuses (e.g., a server computer) to facilitate the functions described herein. Any of the elements in FIG. 1 may use any suitable number of subsystems to facilitate the functions described herein. Examples of such subsystems or components are shown in FIG. 9 .
  • the subsystems shown in FIG. 9 are interconnected via a system bus 775 . Additional subsystems such as a printer 774 , keyboard 778 , fixed disk 779 (or other memory comprising computer readable media), monitor 776 , which is coupled to display adapter 782 , and others are shown.
  • Peripherals and input/output (I/O) devices which couple to I/O controller 771 , can be connected to the computer system by any number of means known in the art, such as serial port 777 .
  • serial port 777 or external interface 781 can be used to connect the computer apparatus to a wide area network such as the Internet, a mouse input device, or a scanner.
  • the interconnection via system bus allows the central processor 773 to communicate with each subsystem and to control the execution of instructions from system memory 772 or the fixed disk 779 , as well as the exchange of information between subsystems.
  • the system memory 772 and/or the fixed disk 779 may embody a computer readable medium.
  • FIG. 10 shows a block diagram of another phone 32 ′ that can be used in embodiments of the invention.
  • the exemplary wireless phone 32 ′ may comprise a computer readable medium and a body as shown in FIG. 10 .
  • the computer readable medium 32 ( b ) may be present within the body 32 ( h ), or may be detachable from it.
  • the body 32 ( h ) may be in the form a plastic substrate, housing, or other structure.
  • the computer readable medium 32 ( b ) may be in the form of (or may be included in) a memory that stores data (e.g., data relating to issuer specific payment services) and may be in any suitable form including a magnetic stripe, a memory chip, etc.
  • the memory preferably stores information such as financial information, transit information (e.g., as in a subway or train pass), access information (e.g., as in access badges), etc.
  • Financial information may include information such as bank account information, a bank identification number (BIN), credit or debit card number information, account balance information, expiration date, user information such as name, date of birth, etc. Any of this information may be transmitted by the phone 32 ′.
  • information in the memory may also be in the form of data tracks that are traditionally associated with credits cards.
  • Such tracks include Track 1 and Track 2 .
  • Track 1 International Air Transport Association
  • Track 2 (“American Banking Association”) is currently most commonly used. This is the track that is read by ATMs and credit card checkers.
  • the ABA American Banking Association designed the specifications of this track and all world banks must abide by it. It contains the cardholder's account, encrypted PIN, plus other discretionary data.
  • the phone 32 ′ may further include a contactless element 32 ( g ), which is typically implemented in the form of a semiconductor chip (or other data storage element) with an associated wireless transfer (e.g., data transmission) element, such as an antenna.
  • Contactless element 32 ( g ) is associated with (e.g., embedded within) phone 32 and data or control instructions transmitted via a cellular network may be applied to contactless element 32 ( g ) by means of a contactless element interface (not shown).
  • the contactless element interface functions to permit the exchange of data and/or control instructions between the mobile device circuitry (and hence the cellular network) and an optional contactless element 32 ( g ).
  • Contactless element 32 ( g ) is capable of transferring and receiving data using a near field communications (“NFC”) capability (or near field communications medium) typically in accordance with a standardized protocol or data transfer mechanism (e.g., ISO 14443/NFC).
  • NFC near field communications
  • Near field communications capability is a short-range communications capability, such as RFID, BluetoothTM, infra-red, or other data transfer capability that can be used to exchange data between the phone 32 ′ and an interrogation device.
  • the phone 32 ′ is capable of communicating and transferring data and/or control instructions via both cellular network and near field communications capability.
  • the phone 32 ′ may also include a processor 32 ( c ) (e.g., a microprocessor) for processing the functions of the phone 32 and a display 32 ( d ) to allow a user to see phone numbers and other information and messages.
  • the phone 32 ′ may further include input elements 32 ( e ) to allow a user to input information into the device, a speaker 32 ( f ) to allow the user to hear voice communication, music, etc., and a microphone 32 ( i ) to allow the user to transmit her voice through the phone 32 ′.
  • the phone 32 ′ may also include an antenna 32 ( a ) for wireless data transfer (e.g., data transmission).
  • FIG. 11 shows a plastic substrate 32 ( m ).
  • a contactless element 32 ( o ) for interfacing with an access device 34 may be present on or embedded within the plastic substrate 32 ( m ).
  • User information 32 ( p ) such as an account number, expiration date, and user name may be printed or embossed on the card.
  • a magnetic stripe 32 ( n ) may also be on the plastic substrate 32 ( m ).
  • the portable consumer device 32 ′′ may also comprise a microprocessor and/or memory chips with user data stored in them.
  • the portable consumer device 32 ′′ may include both a magnetic stripe 32 ( n ) and a contactless element 32 ( o ). In other embodiments, both the magnetic stripe 32 ( n ) and the contactless element 32 ( o ) may be in the portable consumer device 32 ′′. In other embodiments, either the magnetic stripe 32 ( n ) or the contactless element 32 ( o ) may be present in the portable consumer device 32 ′′.
  • Embodiments of the invention have a number of advantages.
  • the Web site that the user contacts can be used as both a portal to provide feedback on notification message errors and/or corrections, as well as a site for providing feedback to and receiving responses from merchants.
  • offers can be provided to users after they provide updated information to the system (e.g., to correct errors in the notification messages or to provide updated identifiers). Such offers can drive business back to the merchants and can also help appease users that may have had a negative experience due to a notification message that was incorrect or due to a bad merchant experience.
  • Embodiments of the invention are not limited to the above-described embodiments.
  • functional blocks are shown for an issuer, payment processing network, and acquirer, some entities perform all of these functions and may be included in embodiments of invention.
  • any of the software components or functions described in this application may be implemented as software code to be executed by a processor using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques.
  • the software code may be stored as a series of instructions, or commands on a computer readable medium, such as a random access memory (RAM), a read only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD-ROM.
  • RAM random access memory
  • ROM read only memory
  • magnetic medium such as a hard-drive or a floppy disk
  • optical medium such as a CD-ROM.
  • Any such computer readable medium may reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network.

Abstract

A method. The method includes a) sending a first transaction notification message comprising an original payee identifier to a user. The original payee identifier may be part of original transaction information associated with a first transaction. At some point, the user sees this transaction information and wants to correct one or more items in the transaction information. For example, the user may not recognize that the original payee identifier is wrong or is otherwise unrecognizable. The user may then contact a central server (e.g., via a Web site) and may provide updated transaction information such as an updated merchant identifier to the central server computer. This updated transaction information may be stored so that subsequent transactions can be accurately conducted and reported to the user, and other uses.

Description

    CROSS-REFERENCES TO RELATED APPLICATIONS
  • This application is a non-provisional of and claims priority to U.S. Provisional Application No. 61/173,371, filed on Apr. 28, 2009, which is herein incorporated by reference in its entirety for all purposes.
  • BACKGROUND
  • When a user conducts a purchase transaction with a credit card or a debit card, details of that transaction are forwarded to the consumer at some point in time. The consumer may be notified of the transaction in his monthly credit or debit card statement, and/or may be notified of the transaction by a transaction notification alert that is sent to the consumer's phone. The transaction notification may include a merchant identifier, the date on which the transaction occurred, and the amount of the purchase.
  • In some cases, the merchant identifier that is sent to the consumer is not clear and the consumer may not recognize the particular merchant identifier in the notification alert or in his monthly statement. For example, in some cases, the actual merchant that conducted the transaction may operate under a tradename that is different than the real name of the merchant. When the consumer does not recognize the name of the merchant in the transaction notification alert or in the monthly statement, the consumer may get the incorrect impression that some type of fraud is occurring. The consumer may erroneously contact the issuer to report the alleged fraud, only to learn that the transaction was legitimate and that a mistake had been made.
  • In other instances, the transaction information that is sent to the user may simply be incorrect. For example, the name of the merchant in the transaction notification may simply be incorrect or misspelled, due to a data error at a central server. If this information is incorrect, then the central server that provides such transaction information to the consumer and others may continue to provide incorrect information. It would be desirable if there was an efficient way to “clean” transaction data so that incorrect data in a payment processing system (or the like) is corrected in a timely manner so that subsequent transactions are conducted and reported with accuracy.
  • Embodiments of the invention address these and other problems, individually and collectively.
  • BRIEF SUMMARY
  • Embodiments of the invention are directed to methods, computer readable media, devices, computer apparatuses, and systems.
  • One embodiment of the invention is directed to a method comprising: a) sending a first transaction notification message comprising an original payee identifier to a user; b) receiving updated transaction information at a central server computer; c) storing the updated transaction information in a database; and d) sending a second transaction notification message using the updated transaction information to the user.
  • Another embodiment of the invention is directed to a method comprising: a) receiving a first transaction notification message, wherein the first transaction notification message comprises an original payee identifier; b) providing updated transaction information to a central server computer after receiving the first transaction notification message; and c) receiving a second transaction notification message, wherein the second transaction notification message is generated using the updated transaction information.
  • In a specific example, a transaction notification message with a merchant identifier (e.g., Yummy Brands Store 12345) is sent to a phone operated by a user. The merchant identifier may not be readily identifiable by the user. If this is the case, then the user may provide an updated identifier to the central server computer by contacting a Web site accessible to the central server computer. For example, a corporation such as Yummy Brands may identify a particular restaurant in a particular city as “Yummy Brands Store 12345” and this may be reflected in a transaction notification message that is sent to the user. However, when the user receives a message or an indication on his monthly statement of a charge at “Yummy Brands Store 12345,” he may not recognize it. Upon learning that Yummy Brands Store 12345 operates under the tradename “Tennessee Fried Chicken” in Smalltown, Calif., the user may contact a central server that operates a central Website. On that Website, the user may enter an updated merchant identifier such as “Tennessee Fried Chicken” in Smalltown, Calif. for “Yummy Brands Store 12345.” The updated merchant identifier may be more easily recognizable by the user when he receives subsequent transaction notification messages from that merchant.
  • The Web site can be used for other purposes as well. For example, the Web site can be used as a site for rating the particular merchant and other merchants. The merchant may see the rating information pertinent to the merchant, and could also send coupons to the user and/or may respond to user comments. In some embodiments, the ratings can be provided by users in response to alert messages that are received by the merchant.
  • Other embodiments of the invention are directed to computer readable media comprising computer code for implementing a method, such as the above-described methods, executed by a processor. Yet other embodiments of the invention are directed to devices and computers comprising the computer readable media.
  • These and other embodiments of the invention are described in further detail below.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • FIG. 1 shows a block diagram of a system according to an embodiment of the invention that can be used in some embodiments of the invention.
  • FIG. 2 shows a block diagram of components in a payment processing network.
  • FIG. 3 shows a flowchart illustrating a method according to an embodiment of the invention.
  • FIG. 4 shows a flowchart illustrating a method according to another embodiment of the invention.
  • FIG. 5 shows a mobile phone with a first notification message.
  • FIG. 6 shows a screenshot of a user interface.
  • FIG. 7 shows a mobile phone with a second notification message.
  • FIG. 8 shows a mobile phone with a message comprising an offer.
  • FIG. 9 shows a block diagram of a computer apparatus.
  • FIG. 10 shows a block diagram of components in a mobile phone.
  • FIG. 11 shows an illustration of a card.
  • DETAILED DESCRIPTION
  • One embodiment of the invention is directed to a method including a) sending a first transaction notification message comprising an original payee identifier (e.g., a merchant identifier) to a user. The original payee identifier may be part of original transaction information associated with a first transaction. At some point, the user sees this transaction information and wants to correct one or more items in the transaction information. For example, the user may not recognize that the original payee identifier is wrong or is otherwise unrecognizable. In another example, the user may simply determine that there is an error in the transaction notification information. Other types of data errors include transaction amount calculation errors, transaction type errors (e.g., the transaction is a card present transaction, but the alert message indicated that the transaction is a card not present type of transaction); the transaction was a contactless transaction when the alert message indicated that the transaction was a magnetic stripe transaction), etc. In any case, the user may then contact a central server (e.g., via a Web site) and may provide updated transaction information such as an updated merchant identifier to the central server computer. This updated transaction information may be stored so that subsequent transactions can be accurately conducted and reported to the user, and other users.
  • I. Exemplary Systems
  • A system according to an embodiment of the invention is shown in FIG. 1.
  • FIG. 1 shows a system 20 that can be used in an embodiment of the invention. The system 20 includes a merchant 22 and an acquirer 24 associated with the merchant 22. In a typical payment transaction, a consumer such as user 30 may purchase goods or services at the merchant 22 using a portable consumer device such as portable consumer device B 32-2 (or portable consumer device A 32-1 or consumer device 32-3). The user 30 may be an individual, or an organization such as a business that is capable of purchasing goods or services. The acquirer 24 can communicate with an issuer 28 via a payment processing network 26.
  • As used herein, an “issuer” is typically a business entity (e.g., a bank) which maintains financial accounts for the user and often issues a portable consumer device such as a credit or debit card to the user. A “merchant” is typically an entity that engages in transactions and can sell goods or services. An “acquirer” is typically a business entity (e.g., a commercial bank) that has a business relationship with a particular merchant or other entity. Some entities can perform both issuer and acquirer functions. Embodiments of the invention encompass such single entity issuer-acquirers.
  • In FIG. 1, user 30 can use at least two different types of portable consumer devices including consumer device A 32-1 and portable consumer device B 32-2. In one example, consumer device A 32-1 may be in the form of a phone, while portable consumer device B 32-2 may be in the form of a card. The consumer device A 32-1 may consequently be used to communicate with the issuer 28 via a telecommunications gateway 60, a telecommunications network 70, and a payment processing network 26. The different consumer devices A 32-1 and B 32-2 could be linked to the same issuer account number, or could be linked to respectively different issuer account numbers. User 30 may also use a consumer device 32-3 such as a personal computer to communicate with the payment processing network 26 and/or the merchant 22 via the Internet 72.
  • The consumer devices according to embodiments of the invention may be in any suitable form. In some embodiments, the consumer devices are portable in nature and may be portable consumer devices. Suitable portable consumer devices can be hand-held and compact so that they can fit into a user's wallet and/or pocket (e.g., pocket-sized). They may include smart cards, ordinary credit or debit cards (with a magnetic strip and without a microprocessor), keychain devices (such as the Speedpass™ commercially available from Exxon-Mobil Corp.), etc. Other examples of portable consumer devices include cellular phones, personal digital assistants (PDAs), pagers, payment cards, security cards, access cards, smart media, transponders, and the like. The portable consumer devices can also be debit devices (e.g., a debit card), credit devices (e.g., a credit card), or stored value devices (e.g., a stored value card).
  • Each consumer device may comprise a body, and a memory comprising a computer readable medium disposed on or within the body. In addition, the consumer device may also include a processor coupled to the memory, where greater functionality and/or security are desired. If the consumer device is capable of receiving data, it may include a computer readable medium comprising code for causing a processor to execute a method comprising a) receiving a first transaction notification message, wherein the first transaction notification message comprising transaction information comprising an original payee identifier; b) providing updated transaction information to a central server computer after receiving the first transaction notification message; and c) receiving a second transaction notification message, wherein the second transaction notification message is generated using the updated transaction information. The computer readable medium may also comprise e) code for receiving an offer with the updated payee identifier.
  • The payment processing network 26 may include data processing subsystems, networks, and operations used to support and deliver authorization services, exception file services, and clearing and settlement services. An exemplary payment processing network may include VisaNet™. Payment processing networks such as VisaNet™ are able to process credit card transactions, debit card transactions, and other types of commercial transactions. VisaNet™, in particular, includes a VIP system (Visa Integrated Payments system) which processes authorization requests and a Base II system which performs clearing and settlement services.
  • Referring to FIG. 2, the payment processing network 26 may include a server computer 26(a), and a database 26(b) operatively coupled to the server computer 26(a). A server computer is typically a powerful computer or cluster of computers. For example, the server computer can be a large mainframe, a minicomputer cluster, or a group of servers functioning as a unit. In one example, the server computer may be a database server coupled to a Web server. The payment processing network 26 may use any suitable wired or wireless network, including the Internet.
  • The server computer 26(a) in the payment processing network 26 may comprise code for causing a processor to implement a method comprising: a) sending a first transaction notification message comprising transaction information comprising an original payee identifier to a user; b) receiving updated transaction information at a central server computer; c) storing the updated transaction information in a database; and d) sending a second transaction notification message using the updated transaction information to the user. The method may also comprise e) sending an offer to the user after receiving the updated payee identifier. In some cases, step e) may be performed before step d).
  • The database 26(b) may store any suitable type of information. Suitable information that may be stored in the database 26(b) may include original merchant identifiers, suggested merchant identifiers and updated merchant identifiers. Other information that may be included in the database 26(b) may be data that links the original merchant identifiers to updated and/or suggested merchant identifiers. Yet other information that may be included in the database 26(b) may include information that updates systematic errors in the system.
  • The server computer 26(a) may also comprise a host site (e.g., a Web site) 26(a)-1, and a number of functional modules. The functional modules may comprise a notification module 26(a)-2, a merchant update module 26(a)-3, an offer module 26(a)-4, and a payment processing module 26(a)-5. Each of these modules may comprise any suitable combination of hardware and/or software to accomplish the functions described herein.
  • The Web site 26(a)-1 may be used by a user 30 to provide updated information, and may be used to the user 30 to provide merchant feedback, as well as receive merchant responses (e.g., offers or responses to negative comments).
  • The notification module 26(a)-2 may be configured to send transaction notification messages in the form of SMS messages, e-mails and the like to the user. They may be sent, for example, to portable consumer device A 32-1 via the telecommunications network 70 and the telecommunications gateway 60. Alternatively or additionally, they may be sent to consumer device C 32-3 via the Internet 72.
  • The update module 26(a)-3 may be configured to process update information from the user 30 such as updated merchant identifier information. Updated merchant identifiers may be received from the user 30 and may be stored in the database 26(b).
  • The offer module 26(a)-4 is configured to provide offers (e.g., coupons) in response to any updates provided by the user 30. For example, it may provide an offer for a merchant 22 after receiving an updated merchant identifier for that merchant 22. The offer may include the updated merchant identifier, and the offer module 26(a)-4 may work with the notification module to send the offer to the portable consumer device A 32-1 and/or the consumer device C 32-3. Alternatively or additionally, it may generate offers independent of any updates provided by the user 30.
  • The payment processing module 26(a)-5 may comprise appropriate logic to process electronic payments. For example, the payment processing module 26(a)-5 may include an authorization sub-module for receiving and passing authorization request messages to appropriate issuers for approval. It may also include a clearing and settlement sub-module for clearing and settling transactions between different issuers and acquirers.
  • Referring again to FIG. 1, the merchant 22 may also have, or may receive communications from, an access device 34 that can interact with the portable consumer device 32. The access devices according to embodiments of the invention can be in any suitable form. Examples of access devices include point of sale (POS) devices, cellular phones, PDAs, personal computers (PCs), tablet PCs, handheld specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), kiosks, security systems, access systems, and the like.
  • If the access device 34 is a point of sale terminal, any suitable point of sale terminal may be used including card readers. The card readers may include any suitable contact or contactless mode of operation. For example, exemplary card readers can include RF (radio frequency) antennas, magnetic stripe readers, etc. to interact with the portable consumer devices 32.
  • II. Exemplary Methods
  • Methods according to embodiments of the invention can be described with reference to FIGS. 1-8. Although specific sequences of steps are described, it is understood that embodiments of the invention are not limited to the order of the specific steps described, and that any suitable combination of steps may be included in embodiments of the invention.
  • Referring to FIG. 3, in step 302, the user 30 may conduct a transaction with a merchant 22. The transaction may be conducted in person, or may be conducted via the Internet 72, as described above.
  • In a typical in person purchase transaction, a user 30 purchases a good or service at the merchant 22 using a portable consumer device such as portable consumer device B 32-2, which may be in the form of a credit card. The user's portable consumer device B 32-2 can interact with an access device 34 such as a POS (point of sale) terminal at the merchant 22. For example, the user 30 may take the credit card and may swipe it through an appropriate slot in the POS terminal. Alternatively, the POS terminal may be a contactless reader, and the portable consumer device B 32-2 may be a contactless device such as a contactless card.
  • An authorization request message is then forwarded to the acquirer 24. After receiving the authorization request message, the authorization request message is then sent to the payment processing network 26. The payment processing network 26 then forwards the authorization request message to the issuer 28 of the portable consumer device B 32-2.
  • After the issuer 28 receives the authorization request message, the issuer 28 sends an authorization response message back to the payment processing network 26 to indicate whether or not the current transaction is authorized (or not authorized). The transaction processing system 26 (or the server computer located therein) then forwards the authorization response message back to the acquirer 24. The acquirer 24 then sends the response message back to the merchant 22.
  • After the merchant 22 receives the authorization response message, the access device 34 at the merchant 22 may then provide the authorization response message for the consumer 30. The response message may be displayed by the access device 34, or may be printed out on a receipt.
  • At the end of the day, a normal clearing and settlement process can be conducted by the transaction processing system 26. A clearing process is a process of exchanging financial details between and acquirer and an issuer to facilitate posting to a consumer's account and reconciliation of the consumer's settlement position. Clearing and settlement can occur simultaneously.
  • In a typical Internet transaction, the user 30 may use his consumer device C 32-3 and may contact the Web site of the merchant 22 via the Internet 72. The user 30 may select goods for purchase and may enter information onto the Web site including payment card information. As described above, the merchant 22 may then request authorization of the transaction from the issuer 28, and a clearing and settlement process may be performed after the authorization process is performed.
  • In steps 304 and 306, after the transaction is initiated, a first transaction notification message is sent to the user 30 and is received by the user 30 at any consumer devices 32-1, 32-3 that he may use. The sending and the receipt of the transaction notification message may be substantially contemporaneous with the initiation of the transaction. For example, it may be sent and received by a consumer device within 20 seconds, or 1, 5, or 10 minutes of the initiation of the transaction.
  • The transaction notification message may sent by any suitable entity in any suitable manner. In one embodiment, the transaction notification message may be in the form of an electronic message such as an e-mail or SMS message, or a voice response message. For example, referring to FIG. 5, transaction notification message such as “Transaction ID: 789101; A $20 purchase was made at Yummy Brands Store 12345 Using CRD2” may be sent from the payment processing network 26 and to the user's portable consumer device 32-1 via the telecommunications network 70 and the telecommunications gateway 60. In another embodiment, the transaction notification message may be included with a number of other transaction notification messages on periodic account statements (e.g., monthly statements) that are mailed to the user 30.
  • The first transaction notification message may include any suitable data elements. For example, the transaction notification message may include a transaction identifier (e.g., a transaction number), the date of the transaction, the time of the transaction, the amount of the transaction, the type of transaction (e.g., a card not present or a card present type of transaction) an alias for a portable consumer device such as a payment card, and an original merchant identifier. An “original merchant identifier” can be an identifier that was originally created by the merchant, and that has not yet been updated by a user.
  • After reviewing the transaction notification, the user 30 may determine that the transaction information in the transaction notification needs to be updated. The transaction information may need to be updated for any number of reasons. In one embodiment, the original merchant identifier may not be readily recognizable by the user 30. For example, referring to FIG. 5, the user 30 may not recognize the original merchant identifier “Yummy Brands Store 12345,” because “Yummy Brands” is the corporate name and not the tradename of the merchant that the user 30 did business with. Because of the difference in name in the transaction notification message and the tradename of the merchant involved with the transaction, the user 30 may also erroneously contact the issuer 28 to dispute the transaction only to later learn that he did in fact conduct the transaction. At some point in time, the user 30 will determine that the original merchant identifier “Yummy Brands Store 12345” is actually the same merchant as “Tennessee Fried Chicken” in Smalltown, Calif. In other cases, the user may want to customize the name of the merchant so that it is more recognizable to the user, even though the user may recognize the original merchant identifier.
  • In yet other embodiments, transaction information in a transaction notification may simply be wrong. For example, the name of the merchant, the amount of the transaction, etc. may be incorrect. This may reflect some systematic error that is occurring within the system.
  • As shown in step 308, the user 30 may submit an updated merchant identifier to the payment processing network 26. This can be done in any number of ways. For example, in some embodiments, the user 30 may use the consumer device A 32-1, consumer device C 32-3, or any other suitable device, and may contact the Web site 26(a)-1 run by the server computer 26(a) in the payment processing network 26. The user 30 may be presented with a Web page like that shown in FIG. 6, where the user 30 may input the transaction identifier, an updated merchant identifier (e.g., “Tennessee Fried Chicken”), and, optionally, the original merchant identifier (e.g., “Yummy Brands Store 12345”). Alternatively or additionally, the user 30 could select from a predetermined list of possible updated merchant identifiers in a drop down menu or the like. The list of updated identifiers could have been compiled from suggestions from other users, or may have been created by another entity (e.g., merchants, payment processing organizations, issuers, etc.). After clicking the “submit” button or other data entry element, the selection of the updated merchant identifier may be transmitted to the server computer 26(a), and the update module 26(a)-3 may update the database 26(b) with this information.
  • In other embodiments, the user 30 may provide information other than an updated merchant identifier. For example, if the amount of the transaction is incorrect, then the user may notify a central server of this, using the consumer device that received the original transaction notification message. If many users provide the same or similar response, the central server will be informed that a systematic error is present and that it should be corrected.
  • At some point in time, as shown in step 312 in FIG. 3, a second transaction is conducted by the user 30 at that same merchant 22. The second transaction may occur in the same or different manner than the first transaction that is described above.
  • Upon receiving the transaction information in an authorization request message from the merchant 22, using the notification module 26(a)-2, the server computer 26(a) in the payment processing network 26 can retrieve the updated merchant identifier from the database 26(b) and may generate a transaction notification message with the updated merchant identifier, the transaction amount, payment device identifier (e.g., a card alias), the current time and/or date, etc.
  • Then, in step 314, a second transaction notification message comprising the updated merchant identifier (e.g., “Tennessee Fried Chicken”) is then sent to the user 30, and is thereafter received by the user 30 (step 318). For example, a transaction message with the updated merchant identifier is shown in FIG. 7. The second notification message could be received at any of the consumer devices 32-1, 32-2, 32-3. The sending and the receipt of the transaction notification message may be substantially contemporaneous with the initiation of the transaction. For example, it may be sent and received by a consumer device within 20 seconds, or 1, 5, or 10 minutes of the initiation of the transaction.
  • As illustrated in embodiments described with respect to FIG. 3, a transaction notification message including an updated merchant identifier may be provided to the user 30. The updated merchant identifier is immediately recognizable to the user 30, and the user 30 is not likely to assume that the transaction is not one that he conducted.
  • Other embodiments of the invention can relate to validation mechanisms. Data validation mechanisms can include offers that validate that the user recognizes the updated merchant identifier or any other type of updated data. Such offers not only validate changes in the system, but can also drive business back to merchants and can help appease the user 30 if the user provided negative comments about the merchant 22 or other entity after receiving an erroneous notification message.
  • With reference to steps 340 and 342 in the flowchart in FIG. 4, in some embodiments, after providing updated information about a particular merchant, using the offer module 26(a)-4, the server computer 26(a) in the payment processing network 26 (or other entity such as the issuer 28) may send an offer to the user 30, and the user 30 may receive the offer. The offer may contain the updated merchant identifier, and may provide for a discount on the next purchase conducted by the user 30 at that merchant 22. For example, FIG. 8 shows a coupon that is sent to the user's portable consumer device 32-1 indicating that a discount can be received at the merchant 22.
  • In step 346, the user 30 can conduct a third transaction at the merchant 22 and may redeem the coupon at the merchant 22. The third transaction may be conducted in the same or different manner than the first and second transactions that are described above. During the transaction, offer redemption data and third transaction data (e.g., data such as the transaction amount, merchant ID, and account number) can then be transmitted from the merchant 22 and received at the payment processing network 26. The offer redemption data may indicate that the user 30 intends to redeem the offer. Using the coupon module 26(a)-4 and the payment processing module 26(a)-5, the server computer 26 can provide apply the discount to the current purchase, and can generate a subsequent authorization request message with the updated transaction amount and may send it to the issuer 28 for approval.
  • In some embodiments, the notification module 26(a)-2 can then send a third transaction notification message back to any of the consumer devices (e.g., 32-1 or 32-3). The transaction notification message may contain the updated merchant identifier, an indication that the offer was redeemed, the original purchase price, and the amount of the discount applied.
  • In step 348, the server computer 26(a) can update the database 26(b) to indicate that the new merchant identifier is correct and that the consumer validated the new merchant identifier by using the offer with the new merchant identifier. Since the database 26(b) is updated, any subsequent transaction notification messages for the user 30 or other users may have a more user friendly description of the merchant.
  • III. Exemplary Computer Apparatuses and Consumer Devices
  • The various participants and elements in FIG. 1 may operate one or more computer apparatuses (e.g., a server computer) to facilitate the functions described herein. Any of the elements in FIG. 1 may use any suitable number of subsystems to facilitate the functions described herein. Examples of such subsystems or components are shown in FIG. 9. The subsystems shown in FIG. 9 are interconnected via a system bus 775. Additional subsystems such as a printer 774, keyboard 778, fixed disk 779 (or other memory comprising computer readable media), monitor 776, which is coupled to display adapter 782, and others are shown. Peripherals and input/output (I/O) devices, which couple to I/O controller 771, can be connected to the computer system by any number of means known in the art, such as serial port 777. For example, serial port 777 or external interface 781 can be used to connect the computer apparatus to a wide area network such as the Internet, a mouse input device, or a scanner. The interconnection via system bus allows the central processor 773 to communicate with each subsystem and to control the execution of instructions from system memory 772 or the fixed disk 779, as well as the exchange of information between subsystems. The system memory 772 and/or the fixed disk 779 may embody a computer readable medium.
  • FIG. 10 shows a block diagram of another phone 32′ that can be used in embodiments of the invention. The exemplary wireless phone 32′ may comprise a computer readable medium and a body as shown in FIG. 10. The computer readable medium 32(b) may be present within the body 32(h), or may be detachable from it. The body 32(h) may be in the form a plastic substrate, housing, or other structure. The computer readable medium 32(b) may be in the form of (or may be included in) a memory that stores data (e.g., data relating to issuer specific payment services) and may be in any suitable form including a magnetic stripe, a memory chip, etc. The memory preferably stores information such as financial information, transit information (e.g., as in a subway or train pass), access information (e.g., as in access badges), etc. Financial information may include information such as bank account information, a bank identification number (BIN), credit or debit card number information, account balance information, expiration date, user information such as name, date of birth, etc. Any of this information may be transmitted by the phone 32′.
  • In some embodiments, information in the memory may also be in the form of data tracks that are traditionally associated with credits cards. Such tracks include Track 1 and Track 2. Track 1 (“International Air Transport Association”) stores more information than Track 2, and contains the cardholder's name as well as account number and other discretionary data. This track is sometimes used by the airlines when securing reservations with a credit card. Track 2 (“American Banking Association”) is currently most commonly used. This is the track that is read by ATMs and credit card checkers. The ABA (American Banking Association) designed the specifications of this track and all world banks must abide by it. It contains the cardholder's account, encrypted PIN, plus other discretionary data.
  • The phone 32′ may further include a contactless element 32(g), which is typically implemented in the form of a semiconductor chip (or other data storage element) with an associated wireless transfer (e.g., data transmission) element, such as an antenna. Contactless element 32(g) is associated with (e.g., embedded within) phone 32 and data or control instructions transmitted via a cellular network may be applied to contactless element 32(g) by means of a contactless element interface (not shown). The contactless element interface functions to permit the exchange of data and/or control instructions between the mobile device circuitry (and hence the cellular network) and an optional contactless element 32(g).
  • Contactless element 32(g) is capable of transferring and receiving data using a near field communications (“NFC”) capability (or near field communications medium) typically in accordance with a standardized protocol or data transfer mechanism (e.g., ISO 14443/NFC). Near field communications capability is a short-range communications capability, such as RFID, Bluetooth™, infra-red, or other data transfer capability that can be used to exchange data between the phone 32′ and an interrogation device. Thus, the phone 32′ is capable of communicating and transferring data and/or control instructions via both cellular network and near field communications capability.
  • The phone 32′ may also include a processor 32(c) (e.g., a microprocessor) for processing the functions of the phone 32 and a display 32(d) to allow a user to see phone numbers and other information and messages. The phone 32′ may further include input elements 32(e) to allow a user to input information into the device, a speaker 32(f) to allow the user to hear voice communication, music, etc., and a microphone 32(i) to allow the user to transmit her voice through the phone 32′. The phone 32′ may also include an antenna 32(a) for wireless data transfer (e.g., data transmission).
  • An example of a portable consumer device 32″ in the form of a card is shown in FIG. 11. FIG. 11 shows a plastic substrate 32(m). A contactless element 32(o) for interfacing with an access device 34 may be present on or embedded within the plastic substrate 32(m). User information 32(p) such as an account number, expiration date, and user name may be printed or embossed on the card. Further, a magnetic stripe 32(n) may also be on the plastic substrate 32(m). The portable consumer device 32″ may also comprise a microprocessor and/or memory chips with user data stored in them.
  • As shown in FIG. 11, the portable consumer device 32″ may include both a magnetic stripe 32(n) and a contactless element 32(o). In other embodiments, both the magnetic stripe 32(n) and the contactless element 32(o) may be in the portable consumer device 32″. In other embodiments, either the magnetic stripe 32(n) or the contactless element 32(o) may be present in the portable consumer device 32″.
  • Embodiments of the invention have a number of advantages. First, many users can help update and/or “clean” merchant data in a payment system. This provides for more accurate transaction processing and fewer inquiries regarding potentially fraudulent transactions. Second, by providing updated merchant identifiers, users can provide labels for the merchants that are conducting the transactions with the users. Transaction messages can subsequently be easily recognized by the users therefore providing for better user experiences. Third, without knowing that they are doing so, users can help “clean” data in a payment system so that the data provided to them is accurate. Fourth, in some embodiments, the Web site that the user contacts can be used as both a portal to provide feedback on notification message errors and/or corrections, as well as a site for providing feedback to and receiving responses from merchants. Fifth, in some embodiments, offers can be provided to users after they provide updated information to the system (e.g., to correct errors in the notification messages or to provide updated identifiers). Such offers can drive business back to the merchants and can also help appease users that may have had a negative experience due to a notification message that was incorrect or due to a bad merchant experience.
  • Embodiments of the invention are not limited to the above-described embodiments. For example, although separate functional blocks are shown for an issuer, payment processing network, and acquirer, some entities perform all of these functions and may be included in embodiments of invention.
  • It should be understood that the present invention as described above can be implemented in the form of control logic using computer software in a modular or integrated manner. Based on the disclosure and teachings provided herein, a person of ordinary skill in the art will know and appreciate other ways and/or methods to implement the present invention using hardware and a combination of hardware and software
  • Any of the software components or functions described in this application, may be implemented as software code to be executed by a processor using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques. The software code may be stored as a series of instructions, or commands on a computer readable medium, such as a random access memory (RAM), a read only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD-ROM. Any such computer readable medium may reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network.
  • The above description is illustrative and is not restrictive. Many variations of the invention will become apparent to those skilled in the art upon review of the disclosure. The scope of the invention should, therefore, be determined not with reference to the above description, but instead should be determined with reference to the pending claims along with their full scope or equivalents.
  • One or more features from any embodiment may be combined with one or more features of any other embodiment without departing from the scope of the invention.
  • A recitation of “a”, “an” or “the” is intended to mean “one or more” unless specifically indicated to the contrary.
  • All patents, patent applications, publications, and descriptions mentioned above are herein incorporated by reference in their entirety for all purposes. None is admitted to be prior art.

Claims (20)

1. A method comprising:
a) sending a first transaction notification message comprising transaction information comprising an original payee identifier to a user;
b) receiving updated transaction information at a central server computer;
c) storing the updated transaction information in a database; and
d) sending a second transaction notification message using the updated transaction information to the user.
2. The method of claim 1 wherein receiving the updated transaction information comprises receiving an updated merchant identifier, and wherein the original payee identifier is an original merchant identifier and wherein the updated payee identifier is an updated merchant identifier.
3. The method of claim 1 wherein sending the first transaction notification message comprises sending the transaction notification message to a mobile phone operated by the user.
4. The method of claim 1 wherein a), b), c), and d) are performed by a server computer.
5. The method of claim 1 wherein receiving the updated transaction information comprises receiving an updated merchant identifier, and wherein the method further comprises:
e) sending an offer to the user after receiving the updated payee identifier.
6. The method of claim 5 wherein e) is performed before d).
7. The method of claim 5 wherein receiving the updated transaction information comprises receiving an updated merchant identifier, wherein the original payee identifier and the updated payee identifier are associated with the same merchant, and wherein the method further comprises:
f) receiving offer redemption data from the merchant, wherein the offer redemption data indicates that the user intends to redeem the offer.
8. The method of claim 5 wherein receiving the updated transaction information comprises receiving an updated merchant identifier, and wherein the original payee identifier and the updated payee identifier are associated with the same merchant.
9. A computer readable medium comprising computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method of claim 1.
10. The computer readable medium of claim 9 wherein receiving updated transaction information comprises receiving an updated merchant identifier, and wherein the original payee identifier is an original merchant identifier and wherein the updated payee identifier is an updated merchant identifier.
11. The computer readable medium of claim 9 wherein receiving the updated transaction information comprises receiving an updated merchant identifier, and wherein the method further comprises sending an offer to the user after receiving the updated payee identifier.
12. The computer readable medium of claim 9 wherein receiving the updated transaction information comprises receiving an updated merchant identifier, and wherein the original payee identifier and the updated payee identifier are associated with the same merchant, and wherein the method further comprises:
f) receiving offer redemption data from the merchant, wherein the offer redemption data indicates that the user intends to redeem the offer
13. A server computer comprising the processor, and the computer readable medium of claim 12 coupled to the processor.
14. A server computer comprising the processor, and the computer readable medium of claim 9 coupled to the processor.
15. A method comprising:
a) receiving a first transaction notification message, wherein the first transaction notification message comprising transaction information comprising an original payee identifier;
b) providing updated transaction information to a central server computer after receiving the first transaction notification message; and
c) receiving a second transaction notification message, wherein the second transaction notification message is generated using the updated transaction information.
16. The method of claim 15 wherein at least steps a) and c) are performed by a mobile phone.
17. The method of claim 15 wherein the original payee identifier and the updated payee identifier are associated with the same merchant, and wherein the method further comprises:
f) providing offer redemption data, wherein the offer redemption data indicates that the user intends to redeem the offer.
18. The method of claim 15 wherein the original payee identifier and the updated payee identifier are associated with the same merchant.
19. A computer readable medium comprising computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method according to claim 15.
20. A consumer device comprising the processor and the computer readable medium of claim 19.
US12/569,483 2009-04-28 2009-09-29 Notification social networking Abandoned US20100274653A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US12/569,483 US20100274653A1 (en) 2009-04-28 2009-09-29 Notification social networking
PCT/US2010/032596 WO2010129291A2 (en) 2009-04-28 2010-04-27 Notification social networking

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US17337109P 2009-04-28 2009-04-28
US12/569,483 US20100274653A1 (en) 2009-04-28 2009-09-29 Notification social networking

Publications (1)

Publication Number Publication Date
US20100274653A1 true US20100274653A1 (en) 2010-10-28

Family

ID=42992085

Family Applications (13)

Application Number Title Priority Date Filing Date
US12/569,483 Abandoned US20100274653A1 (en) 2009-04-28 2009-09-29 Notification social networking
US12/687,376 Active 2030-10-15 US8615438B2 (en) 2009-04-28 2010-01-14 Time-dependent response to user-determined unauthorized transaction
US12/712,870 Active 2033-08-13 US9916583B2 (en) 2009-04-28 2010-02-25 System and method including indirect approval
US12/720,627 Active 2030-11-17 US9542675B2 (en) 2009-04-28 2010-03-09 Alert architecture
US12/753,429 Active 2030-06-26 US8126967B2 (en) 2009-04-28 2010-04-02 Multiple aggregator support
US12/759,079 Active 2030-10-24 US8375096B2 (en) 2009-04-28 2010-04-13 Alerts life cycle
US12/764,662 Active US9406057B2 (en) 2009-04-28 2010-04-21 Alert prioritization logic
US12/764,715 Active 2030-08-17 US8266205B2 (en) 2009-04-28 2010-04-21 Multiple channel optimization for transaction messages
US12/767,966 Abandoned US20100274720A1 (en) 2009-04-28 2010-04-27 Fraud and reputation protection using advanced authorization and rules engine
US13/529,474 Abandoned US20120259784A1 (en) 2009-04-28 2012-06-21 Fraud and reputation protection using advanced authorization and rules engine
US15/194,335 Active 2031-04-30 US10210517B2 (en) 2009-04-28 2016-06-27 Alert prioritization logic
US15/369,683 Active 2032-04-20 US10748149B2 (en) 2009-04-28 2016-12-05 Alert architecture
US16/232,706 Active US10672001B2 (en) 2009-04-28 2018-12-26 Alert prioritization logic

Family Applications After (12)

Application Number Title Priority Date Filing Date
US12/687,376 Active 2030-10-15 US8615438B2 (en) 2009-04-28 2010-01-14 Time-dependent response to user-determined unauthorized transaction
US12/712,870 Active 2033-08-13 US9916583B2 (en) 2009-04-28 2010-02-25 System and method including indirect approval
US12/720,627 Active 2030-11-17 US9542675B2 (en) 2009-04-28 2010-03-09 Alert architecture
US12/753,429 Active 2030-06-26 US8126967B2 (en) 2009-04-28 2010-04-02 Multiple aggregator support
US12/759,079 Active 2030-10-24 US8375096B2 (en) 2009-04-28 2010-04-13 Alerts life cycle
US12/764,662 Active US9406057B2 (en) 2009-04-28 2010-04-21 Alert prioritization logic
US12/764,715 Active 2030-08-17 US8266205B2 (en) 2009-04-28 2010-04-21 Multiple channel optimization for transaction messages
US12/767,966 Abandoned US20100274720A1 (en) 2009-04-28 2010-04-27 Fraud and reputation protection using advanced authorization and rules engine
US13/529,474 Abandoned US20120259784A1 (en) 2009-04-28 2012-06-21 Fraud and reputation protection using advanced authorization and rules engine
US15/194,335 Active 2031-04-30 US10210517B2 (en) 2009-04-28 2016-06-27 Alert prioritization logic
US15/369,683 Active 2032-04-20 US10748149B2 (en) 2009-04-28 2016-12-05 Alert architecture
US16/232,706 Active US10672001B2 (en) 2009-04-28 2018-12-26 Alert prioritization logic

Country Status (6)

Country Link
US (13) US20100274653A1 (en)
AU (2) AU2010245053B2 (en)
BR (2) BRPI1016218A2 (en)
CA (2) CA2760422A1 (en)
MX (2) MX2011011400A (en)
WO (9) WO2010129201A2 (en)

Cited By (27)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20120150734A1 (en) * 2009-08-17 2012-06-14 Mol Accessportal Sdn. Bhd. Value exchange system for use within an internet-based social network
US20130007488A1 (en) * 2011-06-28 2013-01-03 Jo Myung-Hyun Power management of a storage device including multiple processing cores
US20140114848A1 (en) * 2011-07-13 2014-04-24 Mastercard International Incorporated Merchant data cleansing in clearing record
US20140188586A1 (en) * 2013-01-02 2014-07-03 Andrew Carpenter Tokenization and third-party interaction
WO2015191606A1 (en) * 2014-06-09 2015-12-17 Verifi, Inc. Global descriptor repository
US9324088B2 (en) 2010-06-04 2016-04-26 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns
US9477967B2 (en) 2010-09-21 2016-10-25 Visa International Service Association Systems and methods to process an offer campaign based on ineligibility
US9558502B2 (en) 2010-11-04 2017-01-31 Visa International Service Association Systems and methods to reward user interactions
US9679299B2 (en) 2010-09-03 2017-06-13 Visa International Service Association Systems and methods to provide real-time offers via a cooperative database
US9697520B2 (en) 2010-03-22 2017-07-04 Visa U.S.A. Inc. Merchant configured advertised incentives funded through statement credits
US9972021B2 (en) 2010-08-06 2018-05-15 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
CN108352020A (en) * 2015-09-22 2018-07-31 万事达卡国际公司 Method and system for product identification and computer route service
US10055745B2 (en) 2010-09-21 2018-08-21 Visa International Service Association Systems and methods to modify interaction rules during run time
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US10290018B2 (en) 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US10380617B2 (en) 2011-09-29 2019-08-13 Visa International Service Association Systems and methods to provide a user interface to control an offer campaign
US10419379B2 (en) 2014-04-07 2019-09-17 Visa International Service Association Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface
US10438299B2 (en) 2011-03-15 2019-10-08 Visa International Service Association Systems and methods to combine transaction terminal location data and social networking check-in
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10497022B2 (en) 2012-01-20 2019-12-03 Visa International Service Association Systems and methods to present and process offers
US10546332B2 (en) 2010-09-21 2020-01-28 Visa International Service Association Systems and methods to program operations for interaction with users
US10672018B2 (en) 2012-03-07 2020-06-02 Visa International Service Association Systems and methods to process offers via mobile devices
US10740731B2 (en) 2013-01-02 2020-08-11 Visa International Service Association Third party settlement
US11210669B2 (en) 2014-10-24 2021-12-28 Visa International Service Association Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation

Families Citing this family (184)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US8732004B1 (en) 2004-09-22 2014-05-20 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US7711636B2 (en) 2006-03-10 2010-05-04 Experian Information Solutions, Inc. Systems and methods for analyzing data
US9185123B2 (en) 2008-02-12 2015-11-10 Finsphere Corporation System and method for mobile identity protection for online user authentication
US8280348B2 (en) 2007-03-16 2012-10-02 Finsphere Corporation System and method for identity protection using mobile device signaling network derived location pattern recognition
US8924308B1 (en) 2007-07-18 2014-12-30 Playspan, Inc. Apparatus and method for secure fulfillment of transactions involving virtual items
US9690820B1 (en) * 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US11816665B2 (en) 2008-02-20 2023-11-14 Stripe, Inc. Method and system for multi-modal transaction authentication
US9852426B2 (en) * 2008-02-20 2017-12-26 Collective Dynamics LLC Method and system for secure transactions
WO2010005743A2 (en) * 2008-06-16 2010-01-14 View2Gether Inc. Contextual advertising using video metadata and analysis
US20100114768A1 (en) 2008-10-31 2010-05-06 Wachovia Corporation Payment vehicle with on and off function
US10867298B1 (en) 2008-10-31 2020-12-15 Wells Fargo Bank, N.A. Payment vehicle with on and off function
US20100174638A1 (en) 2009-01-06 2010-07-08 ConsumerInfo.com Report existence monitoring
US8556169B2 (en) 2009-01-12 2013-10-15 Visa U.S.A. Inc. Opt in system and method
US20100274653A1 (en) 2009-04-28 2010-10-28 Ayman Hammad Notification social networking
US9727868B2 (en) * 2009-05-04 2017-08-08 Visa International Service Association Determining targeted incentives based on consumer transaction history
US20100287597A1 (en) * 2009-05-07 2010-11-11 Microsoft Corporation Security policy trigger for policy enforcement
CA2805177A1 (en) 2009-07-31 2011-02-03 Finsphere Corporation Mobile communications message verification of financial transactions
US8364591B2 (en) * 2009-08-10 2013-01-29 Visa International Service Association Track data mapping system for processing of payment transaction data
US20110055058A1 (en) 2009-08-28 2011-03-03 Ayman Hammad Contact alert system and method
US9652802B1 (en) 2010-03-24 2017-05-16 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US20110238564A1 (en) * 2010-03-26 2011-09-29 Kwang Hyun Lim System and Method for Early Detection of Fraudulent Transactions
CN102906776A (en) 2010-03-31 2013-01-30 帕特尔有限公司 A method for mutual authentication of a user and service provider
US9111280B2 (en) 2010-04-16 2015-08-18 Visa International Service Association General purpose messaging
US8812065B2 (en) 2010-06-07 2014-08-19 Ford Global Technologies, Llc System and method for monitoring the location of a communication device in a vehicle based on signal strength
DE102010030309A1 (en) 2010-06-21 2011-12-22 Ford Global Technologies, Llc Method and device for determining an energy consumption optimized route
US10163074B2 (en) 2010-07-07 2018-12-25 Ford Global Technologies, Llc Vehicle-based methods and systems for managing personal information and events
US9619801B2 (en) * 2010-08-02 2017-04-11 Stanton Management Group, Inc. User positive approval and authentication services (UPAAS)
US9349368B1 (en) 2010-08-05 2016-05-24 Google Inc. Generating an audio notification based on detection of a triggering event
US8688477B1 (en) 2010-09-17 2014-04-01 National Assoc. Of Boards Of Pharmacy Method, system, and computer program product for determining a narcotics use indicator
US20120089425A1 (en) * 2010-10-06 2012-04-12 Ncr Corporation Trip monitoring and inferential location based services
WO2012051355A1 (en) * 2010-10-12 2012-04-19 Geocast Limited Determining coupon redemption validity via mobile devices
US9367843B2 (en) * 2010-10-14 2016-06-14 Visa International Service Association Transaction alerting in a multi-network environment
US20110225105A1 (en) * 2010-10-21 2011-09-15 Ford Global Technologies, Llc Method and system for monitoring an energy storage system for a vehicle for trip planning
US8599014B2 (en) * 2010-11-05 2013-12-03 Nokia Corporation Method and apparatus for managing notifications
US20120130756A1 (en) * 2010-11-22 2012-05-24 Steelwedge Software, Inc. Augmentation of a user participation of a sales and operations plan through an off the shelf spreadsheet application with a plug-in
US9253304B2 (en) * 2010-12-07 2016-02-02 International Business Machines Corporation Voice communication management
US8738574B2 (en) 2010-12-20 2014-05-27 Ford Global Technologies, Llc Automatic wireless device data maintenance
US8335494B2 (en) 2010-12-30 2012-12-18 Ford Global Technologies, Llc Provisioning of callback reminders on a vehicle-based computing system
US20110224852A1 (en) * 2011-01-06 2011-09-15 Ford Global Technologies, Llc Methods and system for selectively charging a vehicle
US8849499B2 (en) * 2011-01-06 2014-09-30 Ford Global Technologies, Llc Methods and systems for monitoring a vehicle's energy source
EP3462317A1 (en) 2011-02-18 2019-04-03 CSidentity Corporation System and methods for identifying compromised personally identifiable information on the internet
US8767223B2 (en) * 2011-02-28 2014-07-01 Ricoh Company, Ltd. Controlling alert notification
US10210497B2 (en) 2011-04-06 2019-02-19 OnDot Systems, Inc. System and method for cashless peer-to-peer payment
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
WO2012149455A2 (en) 2011-04-29 2012-11-01 Visa International Service Association Vertical network computing integration, analytics, and automation
US10380570B2 (en) 2011-05-02 2019-08-13 Ondot System, Inc. System and method for secure communication for cashless transactions
US8406938B2 (en) 2011-05-19 2013-03-26 Ford Global Technologies, Llc Remote operator assistance for one or more user commands in a vehicle
US20120303448A1 (en) * 2011-05-26 2012-11-29 Cardtronics, Inc. Method and apparatus for determining and alerting availability of preferred automated teller machines
US10853856B2 (en) * 2011-06-06 2020-12-01 Ncr Corporation Notification system and methods for use in retail environments
US10282710B2 (en) * 2011-06-13 2019-05-07 Visa International Service Association Selective authorization method and system
US9240011B2 (en) * 2011-07-13 2016-01-19 Visa International Service Association Systems and methods to communicate with transaction terminals
DE102011107795A1 (en) * 2011-07-15 2013-01-17 Fresenius Medical Care Deutschland Gmbh Method and device for remote monitoring and control of medical fluid management devices
US9704195B2 (en) * 2011-08-04 2017-07-11 Fair Isaac Corporation Multiple funding account payment instrument analytics
US20130041552A1 (en) 2011-08-11 2013-02-14 Ford Global Technologies, Llc Methods and Apparatus for Estimating Power Usage
US9612797B2 (en) 2011-08-25 2017-04-04 Ford Global Technologies, Llc Method and apparatus for a near field communication system to exchange occupant information
US10460378B1 (en) 2011-09-12 2019-10-29 OnDot Systems, Inc. Payment card policy enforcement
US8907776B2 (en) 2011-10-05 2014-12-09 Ford Global Technologies, Llc Method and apparatus for do not disturb message delivery
US9055101B2 (en) * 2011-10-12 2015-06-09 F-Secure Corporation Near field communication security
US8335833B1 (en) * 2011-10-12 2012-12-18 Google Inc. Systems and methods for timeshifting messages
US11030562B1 (en) 2011-10-31 2021-06-08 Consumerinfo.Com, Inc. Pre-data breach monitoring
US20130124417A1 (en) * 2011-11-16 2013-05-16 Visa International Service Association Systems and methods to provide generalized notifications
US9094356B2 (en) 2011-12-15 2015-07-28 Visa International Service Association Supplemental alert system and method
US8849742B2 (en) 2012-01-24 2014-09-30 Ford Global Technologies, Llc Method and apparatus for providing charging state alerts
US20130232074A1 (en) * 2012-03-05 2013-09-05 Mark Carlson System and Method for Providing Alert Messages with Modified Message Elements
CN103379431B (en) * 2012-04-19 2017-06-30 阿里巴巴集团控股有限公司 A kind of guard method of account safety and device
US9953326B2 (en) * 2012-05-02 2018-04-24 Jpmorgan Chase Bank, N.A. Alert optimization system and method
US9235840B2 (en) * 2012-05-14 2016-01-12 Apple Inc. Electronic transaction notification system and method
US9514467B2 (en) * 2012-05-30 2016-12-06 International Business Machines Corporation Dynamic post-delivery customization of telecommunication messages
US20130339237A1 (en) * 2012-06-14 2013-12-19 Daniel Jeremy Rich Methods and systems for investigating fraudulent transactions
US20190147450A1 (en) 2012-06-19 2019-05-16 Ondot System Real-time enrichment of raw merchant data from iso transactions on data communication networks for preventing false declines in fraud prevention systems
US11899711B2 (en) 2012-06-19 2024-02-13 Ondot Systems Inc. Merchant logo detection artificial intelligence (AI) for injecting user control to ISO back-end transaction approvals between acquirer processors and issuer processors over data communication networks
US11636489B2 (en) 2013-10-19 2023-04-25 Ondot Systems Inc. System and method for authorizing a transaction based on dynamic location updates from a user device
US8856257B1 (en) * 2012-06-29 2014-10-07 Emc Corporation Sending alerts from cloud computing systems
US8738454B2 (en) * 2012-07-23 2014-05-27 Wal-Mart Stores, Inc. Transferring digital receipt data to mobile devices
US8843398B2 (en) * 2012-07-23 2014-09-23 Wal-Mart Stores, Inc. Transferring digital receipt data to mobile devices
US9947032B2 (en) * 2012-11-30 2018-04-17 Ncr Corporation Customer interaction manager
US9852302B2 (en) * 2012-12-17 2017-12-26 Vmware, Inc. System and method for chatting with machines
US8682529B1 (en) 2013-01-07 2014-03-25 Ford Global Technologies, Llc Methods and apparatus for dynamic embedded object handling
US9235978B1 (en) * 2013-01-16 2016-01-12 Domo, Inc. Automated suggested alerts based on natural language and user profile analysis
US9569779B2 (en) 2013-01-17 2017-02-14 International Business Machines Corporation Fraud detection employing personalized fraud detection rules
US9789788B2 (en) 2013-01-18 2017-10-17 Ford Global Technologies, Llc Method and apparatus for primary driver verification
US10163108B1 (en) 2013-02-28 2018-12-25 OnDot Systems, Inc. Transparently reconstructing sniffed network traffic over a back-end data communications network to reconstruct payment card transactions for generating user notifications during transactions
US20140279534A1 (en) * 2013-03-13 2014-09-18 Capital One Financial Corporation System and method for providing an account holder a notification
US9462545B2 (en) 2013-03-14 2016-10-04 Ford Global Technologies, Llc Method and apparatus for a battery saver utilizing a sleep and vacation strategy
US8812387B1 (en) 2013-03-14 2014-08-19 Csidentity Corporation System and method for identifying related credit inquiries
US9813285B1 (en) * 2013-03-14 2017-11-07 Ca, Inc. Enterprise server access system
US9420002B1 (en) 2013-03-14 2016-08-16 Mark McGovern Authorization server access system
US9066298B2 (en) 2013-03-15 2015-06-23 Ford Global Technologies, Llc Method and apparatus for an alert strategy between modules
US11367073B2 (en) * 2013-07-03 2022-06-21 Capital One Services, Llc System and method for fraud control
AU2014293042A1 (en) 2013-07-24 2016-02-11 Visa International Service Association Systems and methods for communicating risk using token assurance data
US20150039502A1 (en) * 2013-08-05 2015-02-05 Bank Of America Corporation Misappropriation protection based on shipping address or store info from e-receipt
US20150088613A1 (en) * 2013-09-23 2015-03-26 Comdata Network, Inc. Systems, methods, and computer program products for managing fuel costs
WO2015054697A1 (en) * 2013-10-11 2015-04-16 Visa International Service Association Network token system
US9148869B2 (en) 2013-10-15 2015-09-29 The Toronto-Dominion Bank Location-based account activity alerts
US10769613B1 (en) 2013-10-22 2020-09-08 Ondot Systems, Inc Delegate cards
US10043182B1 (en) * 2013-10-22 2018-08-07 Ondot System, Inc. System and method for using cardholder context and preferences in transaction authorization
US9754260B2 (en) 2013-10-28 2017-09-05 Quisk, Inc. Account locking using transaction codes
US11823190B2 (en) * 2013-12-09 2023-11-21 Mastercard International Incorporated Systems, apparatus and methods for improved authentication
US20150186891A1 (en) * 2014-01-02 2015-07-02 Kim Wagner Location obfuscation for authentication
US20150193775A1 (en) * 2014-01-09 2015-07-09 Capital One Financial Corporation Method and system for providing alert messages related to suspicious transactions
US9361090B2 (en) 2014-01-24 2016-06-07 Ford Global Technologies, Llc Apparatus and method of software implementation between a vehicle and mobile device
IN2014CH00698A (en) * 2014-02-14 2015-08-21 Amazon Tech Inc
US9974512B2 (en) 2014-03-13 2018-05-22 Convergence Medical, Llc Method, system, and computer program product for determining a patient radiation and diagnostic study score
US20150302412A1 (en) * 2014-04-17 2015-10-22 Google Inc. Online bank transfer transactions
US20150310442A1 (en) * 2014-04-25 2015-10-29 Mastercard International Incorporated Methods, systems and computer readable media for determining criminal propensities in a geographic location based on purchase card transaction data
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
WO2016020927A1 (en) * 2014-08-04 2016-02-11 Hewlett-Packard Development Company, L.P. Event stream processing
US20160048529A1 (en) * 2014-08-13 2016-02-18 Netapp Inc. Coalescing storage operations
USD762766S1 (en) 2014-10-28 2016-08-02 Poynt Co. Payment terminal
US9092766B1 (en) 2014-10-28 2015-07-28 Poynt Co. Payment terminal system and method of use
US10339527B1 (en) 2014-10-31 2019-07-02 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US9985699B1 (en) 2014-12-16 2018-05-29 Blazer and Flip Flops, Inc. NFC center
US10262318B1 (en) 2014-12-17 2019-04-16 Blazer and Flip Flops, Inc. Eligibility verification for real-time offers
US10679207B1 (en) 2014-12-17 2020-06-09 Blazer and Flip Flops, Inc. Bill splitting and account delegation for NFC
US11062375B1 (en) 2014-12-17 2021-07-13 Blazer and Flip Flops, Inc. Automatic shopping based on historical data
US10262311B1 (en) 2014-12-17 2019-04-16 Blazer and Flip Flops, Inc. NFC-based payments tagging
US10580011B1 (en) 2014-12-17 2020-03-03 Blazer and Flip Flops, Inc. NFC-based options selection
US10373168B2 (en) * 2015-01-12 2019-08-06 Mastercard International Incorporated Method and system for retry processing of controlled payment transactions
JP5865550B1 (en) * 2015-02-24 2016-02-17 株式会社野村総合研究所 Card verification system, card unauthorized use detection method, and card unauthorized use detection program
US10200486B2 (en) * 2015-02-26 2019-02-05 Urban Airship, Inc. Mobile event notifications for network enabled objects
US9600819B2 (en) 2015-03-06 2017-03-21 Mastercard International Incorporated Systems and methods for risk based decisioning
US11429975B1 (en) 2015-03-27 2022-08-30 Wells Fargo Bank, N.A. Token management system
US10331398B2 (en) * 2015-05-14 2019-06-25 International Business Machines Corporation Reading device usability
US20160371673A1 (en) * 2015-06-18 2016-12-22 Paypal, Inc. Checkout line processing based on detected information from a user's communication device
US11132690B2 (en) * 2015-06-19 2021-09-28 Wells Fargo Bank, N.A. Pairing transactions and notifications
US20160379215A1 (en) 2015-06-29 2016-12-29 Mastercard International Incorporated Method and system for supervisory control of payment transactions
US11151468B1 (en) 2015-07-02 2021-10-19 Experian Information Solutions, Inc. Behavior analysis using distributed representations of event data
US9984368B2 (en) * 2015-07-06 2018-05-29 Mastercard International Incorporated System and method for managing a compromised account
US11170364B1 (en) 2015-07-31 2021-11-09 Wells Fargo Bank, N.A. Connected payment card systems and methods
CA2936766A1 (en) * 2015-08-10 2017-02-10 Wal-Mart Stores, Inc. Detecting and responding to potentially fraudulent tender
US10621602B2 (en) * 2015-09-22 2020-04-14 Adobe Inc. Reinforcement machine learning for personalized intelligent alerting
GB2545391A (en) * 2015-10-08 2017-06-21 Atom Bank Plc Generating a notification
US11410230B1 (en) 2015-11-17 2022-08-09 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US10387849B2 (en) * 2015-11-18 2019-08-20 International Business Machines Corporation System, method, and recording medium for a bi-directional feed between electronic calendar and credit-card authorization unit
US10757154B1 (en) 2015-11-24 2020-08-25 Experian Information Solutions, Inc. Real-time event-based notification system
US20170186082A1 (en) * 2015-12-29 2017-06-29 Mastercard International Incorporated Systems and devices for generating and transmitting tailored message data using an automated teller machine
US20190087813A1 (en) * 2016-01-29 2019-03-21 Xard Group Pty Ltd Validating transactions
US10453065B2 (en) 2016-02-12 2019-10-22 Visa International Service Association Method and system for determining terminal location
US20170300899A1 (en) * 2016-04-18 2017-10-19 Sekhar Rao Balaga Method and system for securely communicating transaction information using one or combination of multiple channels
US11386223B1 (en) 2016-07-01 2022-07-12 Wells Fargo Bank, N.A. Access control tower
US11886611B1 (en) 2016-07-01 2024-01-30 Wells Fargo Bank, N.A. Control tower for virtual rewards currency
US11615402B1 (en) 2016-07-01 2023-03-28 Wells Fargo Bank, N.A. Access control tower
US10992679B1 (en) 2016-07-01 2021-04-27 Wells Fargo Bank, N.A. Access control tower
US10607220B2 (en) 2016-08-25 2020-03-31 Mastercard International Incorporated Systems and methods for consolidated message processing
WO2018067605A1 (en) 2016-10-03 2018-04-12 Poynt Co. System and method for disabled user assistance
US10949845B2 (en) 2016-11-11 2021-03-16 Mastercard International Incorporated Systems and methods for expedited processing of authenticated computer messages
US10326862B2 (en) * 2016-12-09 2019-06-18 Chicago Mercantile Exchange Inc. Distributed and transactionally deterministic data processing architecture
US10764225B2 (en) * 2016-12-21 2020-09-01 Facebook, Inc. Messaging aggregator selection based on message priority
US10366392B2 (en) 2017-01-12 2019-07-30 Bank Of America Corporation Marker code generation for resource distribution authority flagging
US10761920B2 (en) * 2017-01-17 2020-09-01 Bank Of America Corporation Individualized channel error detection and resolution
WO2018144612A1 (en) 2017-01-31 2018-08-09 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US11556936B1 (en) 2017-04-25 2023-01-17 Wells Fargo Bank, N.A. System and method for card control
CN107426303B (en) * 2017-07-05 2020-12-04 北京辰安信息科技有限公司 Information processing method and device
US11062388B1 (en) 2017-07-06 2021-07-13 Wells Fargo Bank, N.A Data control tower
US20190026738A1 (en) * 2017-07-18 2019-01-24 Mastercard International Incorporated Systems and Methods for Use in Imposing Secondary Authorizations for Transactions
US11282077B2 (en) 2017-08-21 2022-03-22 Walmart Apollo, Llc Data comparison efficiency for real-time data processing, monitoring, and alerting
WO2019055616A1 (en) 2017-09-13 2019-03-21 Walmart Apollo, Llc Systems and methods for real-time data processing, monitoring, and alerting
US10699028B1 (en) 2017-09-28 2020-06-30 Csidentity Corporation Identity security architecture systems and methods
US10949535B2 (en) 2017-09-29 2021-03-16 Microsoft Technology Licensing, Llc Security model training and threshold selection
EP3701737B1 (en) * 2017-10-27 2023-08-23 Telefonaktiebolaget LM Ericsson (PUBL) Customized pin/puk remote provisioning
US10896472B1 (en) 2017-11-14 2021-01-19 Csidentity Corporation Security and identity verification system and architecture
US11188887B1 (en) 2017-11-20 2021-11-30 Wells Fargo Bank, N.A. Systems and methods for payment information access management
US10616256B2 (en) 2018-03-14 2020-04-07 Bank Of America Corporation Cross-channel detection system with real-time dynamic notification processing
EP3564837A1 (en) * 2018-05-04 2019-11-06 Telefonica Digital España, S.L.U. System, method and computer programs for user authentication and/or authorization
US20190347665A1 (en) * 2018-05-09 2019-11-14 Capital One Services, Llc Systems and methods for managing foreign transactions
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US11669759B2 (en) 2018-11-14 2023-06-06 Bank Of America Corporation Entity resource recommendation system based on interaction vectorization
US11568289B2 (en) 2018-11-14 2023-01-31 Bank Of America Corporation Entity recognition system based on interaction vectorization
US10817879B2 (en) * 2019-01-07 2020-10-27 Capital One Services, Llc Fraud detection based on an analysis of messages in a messaging account
US11128649B1 (en) * 2019-03-06 2021-09-21 Trend Micro Incorporated Systems and methods for detecting and responding to anomalous messaging and compromised accounts
US11282084B2 (en) * 2019-03-18 2022-03-22 Bolt Financial, Inc. Repurposing a transaction authorization channel to provide fraud notifications
US20200380523A1 (en) * 2019-05-31 2020-12-03 Visa International Service Association System to reduce false declines using supplemental devices
US10726424B1 (en) * 2019-07-29 2020-07-28 Capital One Services, Llc Computer-based systems and platforms and computer-implemented methods configured for one or more technological applications involving reduction of false-positive fraud detection incidents
US10674470B1 (en) * 2019-07-30 2020-06-02 T-Mobile Usa, Inc. Systems and methods for providing mobile network services
US11416869B2 (en) * 2020-02-04 2022-08-16 Dish Wireless L.L.C. Devices, systems and processes for substantially simultaneous payment verification using multi-factor authentication
US11301435B2 (en) 2020-04-22 2022-04-12 Servicenow, Inc. Self-healing infrastructure for a dual-database system
US11631013B2 (en) 2020-07-09 2023-04-18 Bank Of America Corporation Actionable artificial intelligence (“AI”) notification platform
US10992606B1 (en) 2020-09-04 2021-04-27 Wells Fargo Bank, N.A. Synchronous interfacing with unaffiliated networked systems to alter functionality of sets of electronic assets
US20220182352A1 (en) * 2020-12-09 2022-06-09 Neustar, Inc. Optimizing display of caller identity on communication devices
US11546338B1 (en) 2021-01-05 2023-01-03 Wells Fargo Bank, N.A. Digital account controls portal and protocols for federated and non-federated systems and devices
US11513885B2 (en) 2021-02-16 2022-11-29 Servicenow, Inc. Autonomous error correction in a multi-application platform
US20230026140A1 (en) * 2021-07-24 2023-01-26 Vmware, Inc. Synchronization of notification actions across multiple enrolled devices
US20230095963A1 (en) * 2021-09-27 2023-03-30 Medtronic Minimed, Inc. Medicine administration and tracking systems and methods including customized user alerts

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040199470A1 (en) * 2003-04-02 2004-10-07 Byte Mage, L.L.C. Electronic transaction notification system and method
US20040225560A1 (en) * 2003-05-06 2004-11-11 International Business Machines Corporation Method and system for including advertisements in output tasks
US20070055597A1 (en) * 2005-09-08 2007-03-08 Visa U.S.A. Method and system for manipulating purchase information
US20080126251A1 (en) * 2006-09-21 2008-05-29 Tomas Karl-Axel Wassingbo System and method for utilizing a portable network device to initiate and authorize a payment transaction
US7389275B2 (en) * 2002-03-05 2008-06-17 Visa U.S.A. Inc. System for personal authorization control for card transactions
US7403916B1 (en) * 1997-06-02 2008-07-22 Microsoft Corporation Method and system for correcting payee names and adjusting an account balance for a financial statement
US20080228611A1 (en) * 2001-02-12 2008-09-18 Capital One Financial Corporation System and method for providing extra lines of credit
US20090099961A1 (en) * 2004-06-25 2009-04-16 Ian Charles Ogilvy Transaction Processing Method, Apparatus and System
US20090234745A1 (en) * 2005-11-05 2009-09-17 Jorey Ramer Methods and systems for mobile coupon tracking

Family Cites Families (221)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US93234A (en) * 1869-08-03 Improvement in feeding-doors for animaii-fens
US48953A (en) * 1865-07-25 Paper-knife handle
US4855997A (en) * 1987-12-21 1989-08-08 Allied-Signal, Inc. Priority queuing technique for content induced transaction overlap (CITO) communication system
US5201010A (en) 1989-05-01 1993-04-06 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US5644723A (en) 1989-05-01 1997-07-01 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US6684195B1 (en) 1989-05-01 2004-01-27 Catalina Marketing International, Inc. Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5305196A (en) 1989-05-01 1994-04-19 Credit Verification Corporation Check transaction processing, database building and marketing method and system utilizing automatic check reading
US6009415A (en) 1991-12-16 1999-12-28 The Harrison Company, Llc Data processing technique for scoring bank customer relationships and awarding incentive rewards
US5774882A (en) 1992-03-12 1998-06-30 Keen; Regina D. Credit approval system
US6292786B1 (en) 1992-05-19 2001-09-18 Incentech, Inc. Method and system for generating incentives based on substantially real-time product purchase information
US6385312B1 (en) 1993-02-22 2002-05-07 Murex Securities, Ltd. Automatic routing and information system for telephonic services
JPH09502819A (en) * 1993-08-27 1997-03-18 エイ. ノリス、ジェフリー Closed loop financial transaction method and apparatus
DK0725953T3 (en) 1993-10-26 1999-05-03 Radisson Hotels Internationals Credit system and method for awarding credits to persons making travel-related reservations
CN1057178C (en) * 1994-05-19 2000-10-04 黄金富 Anti-theft security method for non-cash immediate payment and its equipment system
US5513250A (en) 1994-10-13 1996-04-30 Bell Atlantic Network Services, Inc. Telephone based credit card protection
US5530438A (en) * 1995-01-09 1996-06-25 Motorola, Inc. Method of providing an alert of a financial transaction
US5708422A (en) * 1995-05-31 1998-01-13 At&T Transaction authorization and alert system
US5710886A (en) * 1995-06-16 1998-01-20 Sellectsoft, L.C. Electric couponing method and apparatus
US5604921A (en) 1995-07-07 1997-02-18 Nokia Mobile Phones Ltd. Radiotelephone user interface for broadcast short message service
US5796832A (en) 1995-11-13 1998-08-18 Transaction Technology, Inc. Wireless transaction and information system
US5970469A (en) 1995-12-26 1999-10-19 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
JP3597939B2 (en) * 1996-04-01 2004-12-08 株式会社日立メディコ Magnetic resonance inspection apparatus and method
US5901214A (en) 1996-06-10 1999-05-04 Murex Securities, Ltd. One number intelligent call processing system
US6324525B1 (en) * 1996-06-17 2001-11-27 Hewlett-Packard Company Settlement of aggregated electronic transactions over a network
US5903830A (en) 1996-08-08 1999-05-11 Joao; Raymond Anthony Transaction security apparatus and method
US7096003B2 (en) 1996-08-08 2006-08-22 Raymond Anthony Joao Transaction security apparatus
US5852775A (en) 1996-09-12 1998-12-22 Earthweb, Inc. Cellular telephone advertising system
US6012144A (en) 1996-10-08 2000-01-04 Pickett; Thomas E. Transaction security method and apparatus
US9418381B2 (en) * 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
EP0851396A1 (en) 1996-12-23 1998-07-01 Koninklijke KPN N.V. System for increasing a value of an electronic payment card
US6340978B1 (en) * 1997-01-31 2002-01-22 Making Everlasting Memories, Ltd. Method and apparatus for recording and presenting life stories
US6055570A (en) 1997-04-03 2000-04-25 Sun Microsystems, Inc. Subscribed update monitors
US6018723A (en) * 1997-05-27 2000-01-25 Visa International Service Association Method and apparatus for pattern generation
US6119103A (en) * 1997-05-27 2000-09-12 Visa International Service Association Financial risk prediction systems and methods therefor
JP3782867B2 (en) 1997-06-25 2006-06-07 株式会社日立製作所 Information reception processing method and computer / telephony integration system
JP4007642B2 (en) * 1997-07-11 2007-11-14 富士通株式会社 Mobile phone data transfer device
US7403922B1 (en) * 1997-07-28 2008-07-22 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction
US5914472A (en) * 1997-09-23 1999-06-22 At&T Corp Credit card spending authorization control system
US6925441B1 (en) * 1997-10-27 2005-08-02 Marketswitch Corp. System and method of targeted marketing
US6049778A (en) 1997-10-31 2000-04-11 Walker Asset Management Limited Partnership Method and apparatus for administering a reward program
US6505046B1 (en) 1997-11-19 2003-01-07 Nortel Networks Limited Method and apparatus for distributing location-based messages in a wireless communication network
US6535855B1 (en) 1997-12-09 2003-03-18 The Chase Manhattan Bank Push banking system and method
US6185200B1 (en) 1998-03-13 2001-02-06 Lucent Technologies Inc. Reverse-link de-interleaving for communication systems based on closed-form expressions
US6064990A (en) 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity
US6859451B1 (en) 1998-04-21 2005-02-22 Nortel Networks Limited Server for handling multimodal information
US6311169B2 (en) 1998-06-11 2001-10-30 Consumer Credit Associates, Inc. On-line consumer credit data reporting system
CA2242069A1 (en) * 1998-06-25 1999-12-25 Postlinear Management Inc. Possibilistic expert systems and process control utilizing fuzzy logic
US6067529A (en) 1998-08-12 2000-05-23 Ericsson Inc. System and method for sending a short message containing purchase information to a destination terminal
US7337119B1 (en) 1998-10-26 2008-02-26 First Data Corporation System and method for detecting purchasing card fraud
US6330550B1 (en) 1998-12-30 2001-12-11 Nortel Networks Limited Cross-media notifications for e-commerce
WO2000046769A1 (en) 1999-02-03 2000-08-10 Toman Paul M System and method for monitoring a credit account
KR100342723B1 (en) 1999-02-12 2002-07-03 이계철 The notification method of bank account updating
KR100314210B1 (en) * 1999-02-23 2001-11-17 김용훈 Method for paying a charge of goods using mobile phone
CA2312012A1 (en) 1999-06-30 2000-12-30 Lucent Technologies Inc. Transaction notification system and method
US6353398B1 (en) 1999-10-22 2002-03-05 Himanshu S. Amin System for dynamically pushing information to a user utilizing global positioning system
US6769066B1 (en) * 1999-10-25 2004-07-27 Visa International Service Association Method and apparatus for training a neural network model for use in computer network intrusion detection
US6970850B1 (en) 1999-10-27 2005-11-29 Automated Business Companies Proximity service provider system
US7370004B1 (en) 1999-11-15 2008-05-06 The Chase Manhattan Bank Personalized interactive network architecture
US6647272B1 (en) * 1999-11-19 2003-11-11 Nokia Corporation Apparatus, and associated method, for automatically notifying a mobile station of occurrence of a triggering event
US6385179B1 (en) * 1999-11-24 2002-05-07 Motorola, Inc. Packet and circuit switched communication network method and apparatus
WO2001045012A2 (en) 1999-12-15 2001-06-21 E-Scoring, Inc. Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants
US6418436B1 (en) 1999-12-20 2002-07-09 First Data Corporation Scoring methodology for purchasing card fraud detection
US6484148B1 (en) 2000-02-19 2002-11-19 John E. Boyd Electronic advertising device and method of using the same
US20010029485A1 (en) 2000-02-29 2001-10-11 E-Scoring, Inc. Systems and methods enabling anonymous credit transactions
TW550477B (en) * 2000-03-01 2003-09-01 Passgate Corp Method, system and computer readable medium for Web site account and e-commerce management from a central location
US7167830B2 (en) 2000-03-10 2007-01-23 Entrieva, Inc. Multimodal information services
KR20020086695A (en) * 2000-03-24 2002-11-18 알티코 인크. System and method for detecting fraudulent transactions
US6842774B1 (en) 2000-03-24 2005-01-11 Robert L. Piccioni Method and system for situation tracking and notification
US6912398B1 (en) 2000-04-10 2005-06-28 David Domnitz Apparatus and method for delivering information to an individual based on location and/or time
US6891811B1 (en) 2000-04-18 2005-05-10 Telecommunication Systems Inc. Short messaging service center mobile-originated to HTTP internet communications
EP1305750A1 (en) * 2000-05-25 2003-05-02 Wilson How Kiap Gueh Transaction system and method
US7565326B2 (en) * 2000-05-25 2009-07-21 Randle William M Dialect independent multi-dimensional integrator using a normalized language platform and secure controlled access
WO2001093213A2 (en) 2000-05-26 2001-12-06 Alcatel Usa Sourcing, L.P. System and method for reporting transaction information in a card-based transaction
US6873972B1 (en) 2000-08-01 2005-03-29 General Electric Company Systems and methods for credit line monitoring
US6647269B2 (en) 2000-08-07 2003-11-11 Telcontar Method and system for analyzing advertisements delivered to a mobile unit
KR20010000457A (en) 2000-09-30 2001-01-05 박신우 Manage Account by using Internet
EP1199899B1 (en) 2000-10-16 2004-04-21 Alcatel Method and apparatus for providing a user of a mobile communication terminal or a group of users with an information message with an adaptive content
AUPR109700A0 (en) 2000-10-27 2000-11-23 Share-Tech Software Pty Ltd Trading system
US6553100B1 (en) 2000-11-07 2003-04-22 At&T Corp. Intelligent alerting systems
WO2002046881A2 (en) 2000-12-09 2002-06-13 Singhal Tara Chand Method and apparatus for an integrated identity security and payment system
US20020087460A1 (en) 2001-01-04 2002-07-04 Hornung Katharine A. Method for identity theft protection
US7917888B2 (en) 2001-01-22 2011-03-29 Symbol Technologies, Inc. System and method for building multi-modal and multi-channel applications
US6664740B2 (en) 2001-02-01 2003-12-16 The Regents Of The University Of California Formation of a field reversed configuration for magnetic and electrostatic confinement of plasma
US7027801B1 (en) 2001-02-06 2006-04-11 Nortel Networks Limited Method delivering location-base targeted advertisements to mobile subscribers
US7340434B2 (en) 2001-02-16 2008-03-04 Capitol One Financial Corporation Method and apparatus for monitoring guaranteed loans and notifying guarantors
US20020116329A1 (en) * 2001-02-20 2002-08-22 Serbetcioglu Bekir Sami Systems and methods for approval of credit/debit account transactions using a wireless device
CA2354372A1 (en) * 2001-02-23 2002-08-23 Efunds Corporation Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
US7809650B2 (en) * 2003-07-01 2010-10-05 Visa U.S.A. Inc. Method and system for providing risk information in connection with transaction processing
NO20011022D0 (en) 2001-02-28 2001-02-28 Hans Gude Gudesen Procedure for transferring information
GB2372867A (en) 2001-03-02 2002-09-04 Sonera Smarttrust Ltd Transaction management system
US7133869B2 (en) * 2001-03-06 2006-11-07 Knowledge Vector, Inc. Methods and systems for and defining and distributing information alerts
US20020147784A1 (en) * 2001-04-06 2002-10-10 Stephen Gold User account handling on aggregated group of multiple headless computer entities
JP2002269350A (en) 2001-03-14 2002-09-20 Hitachi Ltd Transaction settlement method, transaction settlement system and portable communication terminal used therefor and settlement terminal for member store
US20020133462A1 (en) 2001-03-16 2002-09-19 Koninklijke Philips Electronics N.V. Instant electronic notification of credit card use serves as deterrent
EP1381987A4 (en) * 2001-03-26 2010-09-22 3M Future Ltd Transaction authorisation system
US6993326B2 (en) 2001-04-02 2006-01-31 Bellsouth Intellectual Property Corporation System and method for providing short message targeted advertisements over a wireless communications network
US20030009426A1 (en) * 2001-04-19 2003-01-09 Marcelo Ruiz-Sanchez Methods and apparatus for protecting against credit card fraud, check fraud, and identity theft
US6879838B2 (en) 2001-04-20 2005-04-12 Koninklijke Philips Electronics N.V. Distributed location based service system
US20020161711A1 (en) * 2001-04-30 2002-10-31 Sartor Karalyn K. Fraud detection method
US7542993B2 (en) 2001-05-10 2009-06-02 Equifax, Inc. Systems and methods for notifying a consumer of changes made to a credit report
US7028052B2 (en) 2001-05-10 2006-04-11 Equifax, Inc. Systems and methods for notifying a consumer of changes made to a credit report
KR20010078918A (en) 2001-05-17 2001-08-22 김권 Method for management a credit card and system for the performing the same
US20030154125A1 (en) * 2001-05-23 2003-08-14 International Business Machines Corporation Pesonalisation of promotional offers
US7003497B2 (en) 2001-05-23 2006-02-21 International Business Machines Corporation System and method for confirming electronic transactions
US20030195811A1 (en) * 2001-06-07 2003-10-16 Hayes Marc F. Customer messaging service
US20020198783A1 (en) 2001-06-22 2002-12-26 International Business Machines Corporation Business method for credit card email alerts
US20030061163A1 (en) 2001-09-27 2003-03-27 Durfield Richard C. Method and apparatus for verification/authorization by credit or debit card owner of use of card concurrently with merchant transaction
US6775539B2 (en) 2001-09-28 2004-08-10 Intel Corporation Intelligent, non-intrusive, adaptive wireless discount coupon delivery system over GPRS
US20030105707A1 (en) 2001-11-30 2003-06-05 Yves Audebert Financial risk management system and method
US7024211B1 (en) 2001-12-26 2006-04-04 Bellsouth Intellectual Property Corp. System and method for managing text advertisements to mobile subscribers
US20030144935A1 (en) * 2002-01-30 2003-07-31 Sobek Michael F. Methods and systems for processing, accounting, and administration of stored value cards
US7707108B2 (en) * 2002-01-31 2010-04-27 International Business Machines Corporation Detection of unauthorized account transactions
US7904360B2 (en) 2002-02-04 2011-03-08 Alexander William EVANS System and method for verification, authentication, and notification of a transaction
US7376431B2 (en) 2002-02-05 2008-05-20 Niedermeyer Brian J Location based fraud reduction system and method
US20030212684A1 (en) * 2002-03-11 2003-11-13 Markus Meyer System and method for adapting preferences based on device location or network topology
US20030182191A1 (en) 2002-03-25 2003-09-25 Gaugarin Oliver Location-based wireless loyalty program
AU2002251458A1 (en) 2002-04-03 2003-10-13 Amsoft Systems System and method for detecting card fraud
US6847393B2 (en) * 2002-04-19 2005-01-25 Wren Technology Group Method and system for monitoring point of sale exceptions
US7100049B2 (en) 2002-05-10 2006-08-29 Rsa Security Inc. Method and apparatus for authentication of users and web sites
US8611919B2 (en) 2002-05-23 2013-12-17 Wounder Gmbh., Llc System, method, and computer program product for providing location based services and mobile e-commerce
US7509117B2 (en) * 2002-05-31 2009-03-24 Nokia Corporation Apparatus, and associated method, for notifying a user in a radio communication system of a commercially-related transaction
US6907408B2 (en) * 2002-06-04 2005-06-14 Albert J. Angel Hierarchical authentication process and system for financial transactions
US7092724B2 (en) 2002-06-13 2006-08-15 International Business Machines Corporation Method and apparatus for waypoint services navigational system
US6889207B2 (en) * 2002-06-18 2005-05-03 Bellsouth Intellectual Property Corporation Content control in a device environment
US6795404B2 (en) * 2002-06-18 2004-09-21 Bellsouth Intellectual Property Corporation Device for aggregating, translating, and disseminating communications within a multiple device environment
US7039698B2 (en) * 2002-06-18 2006-05-02 Bellsouth Intellectual Property Corporation Notification device interaction
KR100842556B1 (en) 2002-08-20 2008-07-01 삼성전자주식회사 Method for approving service using a mobile communication terminal equipment
KR20040022901A (en) 2002-09-10 2004-03-18 한국신용평가정보주식회사 Realtime certification method of changing credit report with wireless telephone
US7356506B2 (en) 2002-09-18 2008-04-08 General Electric Capital Corporation Methods and apparatus for evaluating a credit application
US20040064401A1 (en) 2002-09-27 2004-04-01 Capital One Financial Corporation Systems and methods for detecting fraudulent information
US7136655B2 (en) * 2002-11-21 2006-11-14 Bandspeed, Inc. Method and apparatus for coverage and throughput enhancement in a wireless communication system
US20050154665A1 (en) 2002-11-22 2005-07-14 Florida Bankers Association, Inc. Fraud prevention system
US20040103049A1 (en) 2002-11-22 2004-05-27 Kerr Thomas F. Fraud prevention system
US7346927B2 (en) * 2002-12-12 2008-03-18 Access Business Group International Llc System and method for storing and accessing secure data
US7154901B2 (en) * 2003-02-07 2006-12-26 Mobile 365, Inc. Intermediary network system and method for facilitating message exchange between wireless networks
US20040230448A1 (en) * 2003-02-14 2004-11-18 William Schaich System for managing and reporting financial account activity
US7496628B2 (en) * 2003-02-25 2009-02-24 Susquehanna International Group, Llp Electronic message filter
US7945511B2 (en) * 2004-02-26 2011-05-17 Payment Pathways, Inc. Methods and systems for identity authentication
US7739345B2 (en) * 2003-03-31 2010-06-15 Sap Ag Alert notification engine
US7409428B1 (en) * 2003-04-22 2008-08-05 Cooper Technologies Company Systems and methods for messaging to multiple gateways
US8751801B2 (en) * 2003-05-09 2014-06-10 Emc Corporation System and method for authenticating users using two or more factors
US9082156B2 (en) * 2005-08-17 2015-07-14 Jeffrey A. Matos Emergency management system
US7548886B2 (en) * 2003-06-12 2009-06-16 International Business Machines Corporation System and method for early detection and prevention of identity theft
CN1839407A (en) 2003-06-19 2006-09-27 市场警报有限责任公司 Monitoring system
KR100620585B1 (en) 2003-06-25 2006-09-13 주식회사 국민은행 A method and system for management of a family banking using representative account with a bank
KR20050012919A (en) 2003-07-25 2005-02-02 서원호 Method for preventing illegal use of credit-card and System using the same
KR20050031167A (en) 2003-09-29 2005-04-06 주식회사 팬택앤큐리텔 Wireless telecommunication terminal and it's method for inform injustice using of credit card
US7314162B2 (en) 2003-10-17 2008-01-01 Digimore Corporation Method and system for reporting identity document usage
US20050108063A1 (en) * 2003-11-05 2005-05-19 Madill Robert P.Jr. Systems and methods for assessing the potential for fraud in business transactions
US7468969B2 (en) * 2003-11-07 2008-12-23 Interdigital Technology Corporation Apparatus and methods for central control of mesh networks
US7024396B2 (en) 2003-12-10 2006-04-04 Ncr Corporation Transaction system and method of conducting a point-of-sale transaction between a merchant and a consumer using a wireless platform
US7310534B2 (en) 2003-12-16 2007-12-18 Sony Ericsson Mobile Communications Ab Location status indicator for mobile phones
US7480696B2 (en) * 2004-01-07 2009-01-20 International Business Machines Corporation Instant messaging priority filtering based on content and hierarchical schemes
CN1914895B (en) * 2004-01-20 2018-03-09 黄金富 The locking bank computer account system of safety money payment and method are carried out using phone
US20050197962A1 (en) * 2004-03-05 2005-09-08 Critchfield Steve T. System and method for multi-channel inbound and outbound communications
US20050199775A1 (en) 2004-03-09 2005-09-15 David Kaminski Vibration isolation support system for vehicle engine and transmission
US7708190B2 (en) * 2004-03-10 2010-05-04 At&T Intellectual Property I, L.P. Multiple options to decline authorization of payment card charges
KR20050106795A (en) * 2004-05-06 2005-11-11 에스케이 텔레콤주식회사 Method and system for providing on-line credit card payment confirmation service by using short message
US7014107B2 (en) * 2004-07-20 2006-03-21 Irek Singer Wireless payment processing system
KR20060008127A (en) 2004-07-23 2006-01-26 (주)알디스금융시스템 A system and method for reporting a financial transaction, and a memory device recorded a program for reporting the financial transaction
US7319386B2 (en) * 2004-08-02 2008-01-15 Hill-Rom Services, Inc. Configurable system for alerting caregivers
US20070093234A1 (en) 2004-08-20 2007-04-26 Willis John A Identify theft protection and notification system
AU2005279689B2 (en) 2004-08-31 2008-04-10 Markets-Alert Pty Ltd A security system
AU2004100722B4 (en) 2004-08-31 2005-11-24 Markets-Alert Pty Ltd A Security System
JP2008512790A (en) * 2004-09-13 2008-04-24 イクセプト・インコーポレイテッド Warning method and financial transaction warning device in financial transaction
US20060089905A1 (en) 2004-10-26 2006-04-27 Yuh-Shen Song Credit and identity protection network
US9160755B2 (en) * 2004-12-21 2015-10-13 Mcafee, Inc. Trusted communication network
US7357310B2 (en) 2005-03-11 2008-04-15 Gerry Calabrese Mobile phone charge card notification and authorization method
US7756980B2 (en) 2005-03-14 2010-07-13 Microsoft Corporation Using channel concepts to control computer networking
KR20060109562A (en) 2005-04-15 2006-10-23 정관선 Method for approving a settlement of a financetransaction depend on an outsider
US7877326B2 (en) * 2005-04-16 2011-01-25 At&T Intellectual Property I, L.P. Methods, systems, and products for collaborative authorizations in electronic commerce
US7533047B2 (en) * 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
US7386105B2 (en) * 2005-05-27 2008-06-10 Nice Systems Ltd Method and apparatus for fraud detection
EP1732034A1 (en) * 2005-06-06 2006-12-13 First Data Corporation System and method for authorizing electronic payment transactions
US7343149B2 (en) 2005-06-13 2008-03-11 Lucent Technologies Inc. Network support for credit card notification
US8220030B2 (en) 2005-07-02 2012-07-10 Tara Chand Singhal System and method for security in global computer transactions that enable reverse-authentication of a server by a client
US7769017B2 (en) * 2005-07-26 2010-08-03 Nortel Networks Limited Using reachability information to facilitate peer-to-peer communications
US8316225B2 (en) * 2005-07-28 2012-11-20 The Boeing Company Automated integration of fault reporting
US8407610B2 (en) * 2005-09-30 2013-03-26 Sap Portals Israel Ltd. Executable and declarative specification for graphical user interfaces
US7391314B2 (en) * 2005-10-31 2008-06-24 Honeywell International Inc. Event communication system for providing user alerts
US20070124396A1 (en) * 2005-11-25 2007-05-31 Barbara Febonio Electronic mailing method, system and computer program
US20090012896A1 (en) * 2005-12-16 2009-01-08 Arnold James B Systems and methods for automated vendor risk analysis
JP2007199831A (en) 2006-01-24 2007-08-09 Nec Access Technica Ltd Portable terminal, threshold notification device, electronic money balance management system, its method and program
US10127554B2 (en) * 2006-02-15 2018-11-13 Citibank, N.A. Fraud early warning system and method
US7331518B2 (en) * 2006-04-04 2008-02-19 Factortrust, Inc. Transaction processing systems and methods
US7818264B2 (en) * 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US8725567B2 (en) 2006-06-29 2014-05-13 Microsoft Corporation Targeted advertising in brick-and-mortar establishments
US20070100773A1 (en) 2006-08-11 2007-05-03 Regions Asset Company Transaction security system having user defined security parameters
US7747513B2 (en) * 2006-10-20 2010-06-29 Trading Technologies International, Inc. System and method for prioritized data delivery in an electronic trading environment
US7468663B1 (en) * 2006-11-09 2008-12-23 Rufolo Jr Michael J Building security system
US20080126233A1 (en) * 2006-11-29 2008-05-29 Verizon Services Organization Inc. Purchase notification system
US20080147471A1 (en) * 2006-12-13 2008-06-19 Oracle International Corporation Topic based meeting scheduler
US20080147484A1 (en) 2006-12-13 2008-06-19 Xero Mobile Inc. High speed advertising to mobile transceivers
US7689688B2 (en) * 2006-12-21 2010-03-30 International Business Machines Corporation Multiple-application transaction monitoring facility for debugging and performance tuning
CN101647040A (en) 2006-12-26 2010-02-10 维萨美国股份有限公司 Mobile payment system and method using alias
EP2118837A4 (en) * 2007-01-09 2012-07-11 Visa Usa Inc Mobile phone payment process including threshold indicator
US8078196B2 (en) 2007-01-31 2011-12-13 At&T Intellectual Property I, Lp Methods, systems and computer program products for providing information using an advertising message with a dynamic field
US8793184B2 (en) * 2007-02-12 2014-07-29 Visa U.S.A. Inc. Mobile payment services
US20080200144A1 (en) * 2007-02-16 2008-08-21 Ginsberg Todd D System and Method for Providing Alerts Over a Network
US8799369B2 (en) * 2007-02-23 2014-08-05 At&T Intellectual Property I, L.P. Recipient-controlled remote E-mail alerting and delivery
US20080243716A1 (en) * 2007-03-29 2008-10-02 Kenneth Joseph Ouimet Investment management system and method
US20090018940A1 (en) * 2007-03-30 2009-01-15 Liang Wang Enhanced Fraud Detection With Terminal Transaction-Sequence Processing
US20080288382A1 (en) * 2007-05-15 2008-11-20 Smith Steven B Methods and Systems for Early Fraud Protection
US20100257092A1 (en) * 2007-07-18 2010-10-07 Ori Einhorn System and method for predicting a measure of anomalousness and similarity of records in relation to a set of reference records
US20090037266A1 (en) * 2007-08-01 2009-02-05 Benjamin Weiss Method and system for providing relevant coupons to consumers based on financial transaction history and internet browsing activity
US8355982B2 (en) 2007-08-16 2013-01-15 Verifone, Inc. Metrics systems and methods for token transactions
US20090099965A1 (en) 2007-08-21 2009-04-16 Grant Iv Francis C Prepaid expense card management platform
US20090106846A1 (en) 2007-10-23 2009-04-23 Identity Rehab Corporation System and method for detection and mitigation of identity theft
US7844522B2 (en) * 2007-10-30 2010-11-30 Intuit Inc. Method and apparatus for monitoring and verifying a transfer of financial settings
US7941557B2 (en) * 2007-11-28 2011-05-10 Yahoo! Inc. Dynamical routing for text messaging
US8608487B2 (en) 2007-11-29 2013-12-17 Bank Of America Corporation Phishing redirect for consumer education: fraud detection
US20090150507A1 (en) * 2007-12-07 2009-06-11 Yahoo! Inc. System and method for prioritizing delivery of communications via different communication channels
US8365096B2 (en) * 2007-12-31 2013-01-29 Motorola Mobility Llc Method and apparatus for transparently mapping personalized alert preferences onto thin client devices with differing capabilities
US20090292568A1 (en) * 2008-05-22 2009-11-26 Reza Khosravani Adaptive Risk Variables
US20100077036A1 (en) * 2008-09-25 2010-03-25 Lisa Seacat Deluca System and method for interactively obtaining access to restricted content
US20100082750A1 (en) * 2008-09-29 2010-04-01 Microsoft Corporation Dynamically transforming data to the context of an intended recipient
US8793758B2 (en) * 2009-01-28 2014-07-29 Headwater Partners I Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US8238263B2 (en) * 2009-03-18 2012-08-07 Landis+Gyr Technologies, Llc Network status detection
US20100274653A1 (en) * 2009-04-28 2010-10-28 Ayman Hammad Notification social networking
US20110055013A1 (en) 2009-08-28 2011-03-03 Ayman Hammad Secure alert system and method
US20150278799A1 (en) * 2014-03-27 2015-10-01 Karthikeyan Palanisamy System incorporating wireless share process

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7403916B1 (en) * 1997-06-02 2008-07-22 Microsoft Corporation Method and system for correcting payee names and adjusting an account balance for a financial statement
US20080228611A1 (en) * 2001-02-12 2008-09-18 Capital One Financial Corporation System and method for providing extra lines of credit
US7389275B2 (en) * 2002-03-05 2008-06-17 Visa U.S.A. Inc. System for personal authorization control for card transactions
US20040199470A1 (en) * 2003-04-02 2004-10-07 Byte Mage, L.L.C. Electronic transaction notification system and method
US20040225560A1 (en) * 2003-05-06 2004-11-11 International Business Machines Corporation Method and system for including advertisements in output tasks
US20090099961A1 (en) * 2004-06-25 2009-04-16 Ian Charles Ogilvy Transaction Processing Method, Apparatus and System
US20070055597A1 (en) * 2005-09-08 2007-03-08 Visa U.S.A. Method and system for manipulating purchase information
US20090234745A1 (en) * 2005-11-05 2009-09-17 Jorey Ramer Methods and systems for mobile coupon tracking
US20080126251A1 (en) * 2006-09-21 2008-05-29 Tomas Karl-Axel Wassingbo System and method for utilizing a portable network device to initiate and authorize a payment transaction

Cited By (50)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10354267B2 (en) 2009-07-27 2019-07-16 Visa International Service Association Systems and methods to provide and adjust offers
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
US8849714B2 (en) * 2009-08-17 2014-09-30 Mol Accessportal Sdn. Bhd Value exchange system for use within an internet-based social network
US20120150734A1 (en) * 2009-08-17 2012-06-14 Mol Accessportal Sdn. Bhd. Value exchange system for use within an internet-based social network
US9697520B2 (en) 2010-03-22 2017-07-04 Visa U.S.A. Inc. Merchant configured advertised incentives funded through statement credits
US10354250B2 (en) 2010-03-22 2019-07-16 Visa International Service Association Merchant configured advertised incentives funded through statement credits
US10339554B2 (en) 2010-06-04 2019-07-02 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US9324088B2 (en) 2010-06-04 2016-04-26 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US10977666B2 (en) 2010-08-06 2021-04-13 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
US9972021B2 (en) 2010-08-06 2018-05-15 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
US9679299B2 (en) 2010-09-03 2017-06-13 Visa International Service Association Systems and methods to provide real-time offers via a cooperative database
US9990643B2 (en) 2010-09-03 2018-06-05 Visa International Service Association Systems and methods to provide real-time offers via a cooperative database
US11151585B2 (en) 2010-09-21 2021-10-19 Visa International Service Association Systems and methods to modify interaction rules during run time
US9477967B2 (en) 2010-09-21 2016-10-25 Visa International Service Association Systems and methods to process an offer campaign based on ineligibility
US10546332B2 (en) 2010-09-21 2020-01-28 Visa International Service Association Systems and methods to program operations for interaction with users
US10055745B2 (en) 2010-09-21 2018-08-21 Visa International Service Association Systems and methods to modify interaction rules during run time
US9558502B2 (en) 2010-11-04 2017-01-31 Visa International Service Association Systems and methods to reward user interactions
US10475060B2 (en) 2010-11-04 2019-11-12 Visa International Service Association Systems and methods to reward user interactions
US10438299B2 (en) 2011-03-15 2019-10-08 Visa International Service Association Systems and methods to combine transaction terminal location data and social networking check-in
US9110669B2 (en) * 2011-06-28 2015-08-18 Samsung Electronics Co., Ltd. Power management of a storage device including multiple processing cores
US20130007488A1 (en) * 2011-06-28 2013-01-03 Jo Myung-Hyun Power management of a storage device including multiple processing cores
US20140114848A1 (en) * 2011-07-13 2014-04-24 Mastercard International Incorporated Merchant data cleansing in clearing record
US11055673B2 (en) * 2011-07-13 2021-07-06 Mastercard International Incorporated Merchant data cleansing in clearing record
US10147074B2 (en) * 2011-07-13 2018-12-04 Mastercard International Incorporated Merchant data cleansing in clearing record
US10628842B2 (en) 2011-08-19 2020-04-21 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US10360591B2 (en) 2011-09-20 2019-07-23 Visa International Service Association Systems and methods to process referrals in offer campaigns
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns
US10956924B2 (en) 2011-09-29 2021-03-23 Visa International Service Association Systems and methods to provide a user interface to control an offer campaign
US10380617B2 (en) 2011-09-29 2019-08-13 Visa International Service Association Systems and methods to provide a user interface to control an offer campaign
US10853842B2 (en) 2011-11-09 2020-12-01 Visa International Service Association Systems and methods to communicate with users via social networking sites
US10290018B2 (en) 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
US11037197B2 (en) 2012-01-20 2021-06-15 Visa International Service Association Systems and methods to present and process offers
US10497022B2 (en) 2012-01-20 2019-12-03 Visa International Service Association Systems and methods to present and process offers
US10672018B2 (en) 2012-03-07 2020-06-02 Visa International Service Association Systems and methods to process offers via mobile devices
US10740731B2 (en) 2013-01-02 2020-08-11 Visa International Service Association Third party settlement
US9741051B2 (en) * 2013-01-02 2017-08-22 Visa International Service Association Tokenization and third-party interaction
US20140188586A1 (en) * 2013-01-02 2014-07-03 Andrew Carpenter Tokenization and third-party interaction
US10909508B2 (en) 2013-11-11 2021-02-02 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10419379B2 (en) 2014-04-07 2019-09-17 Visa International Service Association Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US10977679B2 (en) 2014-05-15 2021-04-13 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US11640620B2 (en) 2014-05-15 2023-05-02 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
AU2015274757B2 (en) * 2014-06-09 2020-06-04 Verifi, Inc. Descriptor Exchange
US9904959B2 (en) 2014-06-09 2018-02-27 Verifi, Inc. Descriptor exchange
WO2015191606A1 (en) * 2014-06-09 2015-12-17 Verifi, Inc. Global descriptor repository
CN106663121A (en) * 2014-06-09 2017-05-10 韦里费公司 Global descriptor repository
US11210669B2 (en) 2014-10-24 2021-12-28 Visa International Service Association Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation
CN108352020A (en) * 2015-09-22 2018-07-31 万事达卡国际公司 Method and system for product identification and computer route service

Also Published As

Publication number Publication date
US20100274679A1 (en) 2010-10-28
US8126967B2 (en) 2012-02-28
WO2010129296A3 (en) 2011-02-10
US20100274688A1 (en) 2010-10-28
CA2760193A1 (en) 2010-11-11
US20170083912A1 (en) 2017-03-23
US20190130400A1 (en) 2019-05-02
US10672001B2 (en) 2020-06-02
BRPI1016217A2 (en) 2016-04-26
US20120259784A1 (en) 2012-10-11
WO2010129346A2 (en) 2010-11-11
CA2760422A1 (en) 2010-11-11
WO2010129346A3 (en) 2011-02-17
WO2010129201A2 (en) 2010-11-11
US8375096B2 (en) 2013-02-12
WO2010129254A2 (en) 2010-11-11
WO2010129201A3 (en) 2011-01-20
US8615438B2 (en) 2013-12-24
WO2010129342A2 (en) 2010-11-11
US8266205B2 (en) 2012-09-11
US9916583B2 (en) 2018-03-13
WO2010129342A3 (en) 2011-02-17
WO2010129257A2 (en) 2010-11-11
US20160307180A1 (en) 2016-10-20
WO2010129202A3 (en) 2011-02-17
WO2010129296A2 (en) 2010-11-11
US10210517B2 (en) 2019-02-19
US20100274720A1 (en) 2010-10-28
WO2010129254A3 (en) 2011-02-03
US20100274866A1 (en) 2010-10-28
WO2010129202A2 (en) 2010-11-11
WO2010129257A3 (en) 2011-01-20
US10748149B2 (en) 2020-08-18
WO2010129300A3 (en) 2011-01-20
US20100274572A1 (en) 2010-10-28
WO2010129300A2 (en) 2010-11-11
AU2010246236B2 (en) 2013-07-11
WO2010129282A2 (en) 2010-11-11
US20100272114A1 (en) 2010-10-28
US9406057B2 (en) 2016-08-02
BRPI1016218A2 (en) 2016-04-26
MX2011011400A (en) 2012-02-13
AU2010245053A1 (en) 2011-11-24
US20100274689A1 (en) 2010-10-28
AU2010246236A1 (en) 2011-11-10
WO2010129282A3 (en) 2011-02-17
US9542675B2 (en) 2017-01-10
US20100274853A1 (en) 2010-10-28
MX2011011409A (en) 2011-11-18
AU2010245053B2 (en) 2014-07-03

Similar Documents

Publication Publication Date Title
US7668785B1 (en) Notification social networking
US20100274653A1 (en) Notification social networking
US10783523B2 (en) Alternate mobile payment service
US10776773B2 (en) Systems and methods for providing transaction tokens for mobile devices
US20190139014A1 (en) System and method for providing consumer tip assistance as part of payment transaction
US8433651B2 (en) Mobile device including computer readable medium suitable for tax processing and currency conversion
US8249957B2 (en) System and method for data completion including push identifier
US8712912B2 (en) System and method for providing advice to consumer regarding a payment transaction
US8589291B2 (en) System and method utilizing device information
US8135647B2 (en) Consumer authentication system and method
US8666863B2 (en) Processing monitor system and method
US20130282488A1 (en) Tracking and summarizing purchase information
US9710802B2 (en) Merchant competition alert
US20090271315A1 (en) Portable device including alterable indicator
US20130226684A1 (en) Merchant configuration through payment network
US20240070644A1 (en) Automated data capture processing
WO2010129291A2 (en) Notification social networking
RU2461065C2 (en) Consumer authentication system and method

Legal Events

Date Code Title Description
AS Assignment

Owner name: VISA INTERNATIONAL SERVICE ASSOCIATION, CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:HAMMAD, AYMAN;REEL/FRAME:023310/0451

Effective date: 20090918

STCB Information on status: application discontinuation

Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION