Conditional transaction notification and implied approval system
First Claim
Patent Images
1. A method comprising:
- receiving a transaction request which includes information regarding an account requesting a transaction;
determining if the transaction request satisfies at least one condition for providing a transaction notification; and
transmitting a transaction notification message to a communication device assigned to the requesting account if at least one condition for providing the notification is satisfied by the transaction request.
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Abstract
A method and a corresponding system are described for providing conditional notification of transaction requests. The method includes receiving a transaction request which contains information regarding an account requesting a transaction and determining if the transaction request satisfies at least one condition for providing a notification of the transaction request. If at least one condition for providing the notification is satisfied by the transaction request, a transaction notification message is generated and transmitted to a communication device assigned to the requesting account.
189 Citations
25 Claims
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1. A method comprising:
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receiving a transaction request which includes information regarding an account requesting a transaction;
determining if the transaction request satisfies at least one condition for providing a transaction notification; and
transmitting a transaction notification message to a communication device assigned to the requesting account if at least one condition for providing the notification is satisfied by the transaction request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
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receiving a transaction request which includes information regarding an account requesting a transaction; and
determining a phone number of a mobile device assigned to receive transaction notification messages for the account requesting the transaction;
generating a transaction notification message based on information contained in the transaction request;
transmitting the transaction notification message to the phone number of the mobile device assigned to the account requesting the transaction; and
waiting a defined period of time to receive a reply message from the mobile device assigned to the account requesting the transaction. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. A system comprising:
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a transaction processing system coupled to receive transaction requests, each transaction request including information regarding an account requesting a transaction;
a plurality of mobile devices capable of establishing communication with the transaction processing system via a wireless network, each of the mobile devices having a phone number; and
a first database coupled to the transaction processing system to store a plurality of account records, at least one of the account records including;
(i) an account number and (ii) a phone number of a mobile device assigned to receive transaction notification messages,wherein the transaction processing system to determine a phone number of a mobile device assigned to receive transaction notification messages for an account requesting a transaction by searching the first database, the transaction processing system to determine if a transaction request satisfies at least one condition for providing a notification of the transaction request and to transmit a transaction notification message to the phone number of the mobile device assigned to the requesting account if at least one condition for providing the notification is satisfied by the transaction request. - View Dependent Claims (20, 21, 22, 23, 24, 25)
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Specification