Systems and methods for additional notification and inputs of electronic transaction processing results
First Claim
Patent Images
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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Abstract
A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.
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Citations
14 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system, comprising:
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a point of sale device configured to conduct a financial transaction, wherein the point of sale device is located within a store of a merchant; a wireless device of a user; a computer server configured to communicate with the point of sale device; a first computer memory at the computer server storing non-transitory computer-executable instructions that, when executed by a first processor of the computer server, causes the computer server to perform steps comprising; storing a list of blacklisted merchant products; receiving a location of the wireless device of the user; determining that the location is within the store of the merchant; receiving, by the computer server in signal communication with the point of sale device located within the store of the merchant, a financial transaction initiated at the point of sale device; determining 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 first computer memory of the computer server; posting 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 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 a notification to add an additional savings amount to the savings amount; providing at the interface a plurality of selectable input elements wherein each one of the selectable input elements corresponds to an additional savings amount to add to the 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 a selection identifying one of the additional savings amounts at the interface; determining that the savings amount and additional savings amount is available in the source account before debiting the savings amount and additional savings amount from the source account; and debiting at least a portion of the savings amount and additional savings amount from the source account to a recipient account; a second computer memory at the wireless device storing non-transitory computer-executable instructions that, when executed by a second professor of the wireless device, causes the wireless device to perform steps comprising; 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. - View Dependent Claims (10, 11, 12, 13, 14)
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Specification