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Systems and methods for additional notification and inputs of electronic transaction processing results

  • US 10,157,420 B2
  • Filed: 09/03/2015
  • Issued: 12/18/2018
  • Est. Priority Date: 09/03/2015
  • Status: Active Grant
First Claim
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1. A method comprising:

  • storing, by a computer server in a memory of the computer server, a list of blacklisted merchant products;

    receiving, by the computer server, a location of a mobile device of a user;

    determining, by the computer server, that the location is within a store of a merchant;

    receiving, by the computer server in signal communication with a point-of-sale device located within the store of the merchant, a financial transaction initiated at the point-of-sale device;

    determining, by the computer server, whether the financial transaction initiated at the point-of-sale device involves a purchase of a blacklisted merchant product by comparing against the list of backlisted merchant products stored in the memory of the computer server;

    posting, by the computer server, the financial transaction to a source account of the user when the financial transaction does not involve the purchase of the blacklisted merchant product;

    calculating, by the computer server, a savings amount based on a monetary amount saved by the purchasing of the non-blacklisted merchant product instead of a comparable blacklisted merchant product;

    increasing a transaction amount of the financial transaction by the savings amount;

    transmitting, by the computer server to the mobile device, a notification to add an additional savings amount to the savings amount;

    presenting, at an interface of the mobile device, the notification to add the additional savings amount to the savings amount;

    activating, by the mobile device in response to receiving the transmitted notification, a motor in the mobile device to generate vibrations to notify the user of the notification;

    providing, by the computer server at the interface, a plurality of selectable input elements wherein each one of the selectable input elements corresponds to an additional savings amount, wherein the additional savings amount comprises one of a whole monetary amount, a percentage of the savings amount, a percentage of the financial transaction amount and a custom amount;

    receiving, by the computer server at the interface, a selection identifying one of the additional savings amounts at the interface;

    determining, by the computer server, that the transaction amount of the financial transaction and the additional savings amount is available in the source account before debiting the transaction amount and additional savings amount from the source account; and

    debiting, by the computer server, at least a portion of the transaction amount and additional savings amount from the source account to a recipient account.

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