Actionable Alerts in Corporate Mobile Banking
First Claim
1. A computer-assisted method comprising:
- (a) determining whether to send an alerting message to a designated user based on a criterion, wherein the alerting message is associated with a pending decision;
(b) in response to (a), sending the alerting message to a communication device of the designated user;
(c) receiving an alerting response from the communication device, the alerting response containing a decision choice and a password; and
(d) when the password is valid, initiating action in accordance with the decision choice.
1 Assignment
0 Petitions
Accused Products
Abstract
Techniques for alerting a client about a pending payment over a communication device by a financial institution are disclosed. The client is able to view the alert on a communication device and can reply to the alert with an answer on how to process the pending payment. A designated user can consequently respond to issues without having to call staff or to log into the business'"'"'s computer system. The response sent through the communication device indicates the designated user'"'"'s decision to the financial institution'"'"'s payment system. The payment service determines whether an alerting message should be sent to a designated user based on at least one criterion based on a set of business rules. The designated user is authorized to approve or reject the pending payment. In response to the alerting message, the designated user returns a response that contains payment information and a one-time password.
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Citations
24 Claims
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1. A computer-assisted method comprising:
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(a) determining whether to send an alerting message to a designated user based on a criterion, wherein the alerting message is associated with a pending decision; (b) in response to (a), sending the alerting message to a communication device of the designated user; (c) receiving an alerting response from the communication device, the alerting response containing a decision choice and a password; and (d) when the password is valid, initiating action in accordance with the decision choice. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform a method comprising:
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(a) determining whether to send an alerting message to a designated user based on a criterion, wherein the alerting message is associated with a pending payment; (b) in response to (a), sending the alerting message to a communication device of the designated user; (c) receiving an alerting response from the communication device, the alerting response containing a payment choice and a one-time password; and (d) when the one-time password is valid, initiating action in accordance with the payment choice. - View Dependent Claims (16, 17, 18, 19, 20)
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21. An apparatus comprising:
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a memory; and a processor coupled to the memory and configured to perform, based on instructions stored in the memory; (a) determining whether to send an alerting message to a designated user based on a criterion, wherein the alerting message is associated with a pending payment; (b) in response to (a), sending the alerting message to a communication device of the designated user; (c) receiving an alerting response from the communication device, the alerting response containing a payment choice and a one-time password; and (d) when the one-time password is valid, initiating action in accordance with the payment choice. - View Dependent Claims (22, 23)
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24. A computer-assisted method comprising:
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(a) comparing payment parameters of a pending payment with a set of business rules to determine whether a trigger condition has occurred. (b) when the trigger condition has occurred, determining a designated user for reviewing the pending payment; (c) sending a alerting message to a wireless device of the designated user via a short message service (SMS) in accordance with contact information; (d) receiving an alerting response from the wireless device, the alerting response containing payment information and a one-time password; (e) when the one-time password is valid and the payment information indicates an approval, dispensing a payment to a payee; (f) when the one-time password is valid and the payment information indicates a rejection, rejecting the pending payment to the payee; and (g) when the one-time password is valid and the payment information indicates a hold, placing the pending payment on hold.
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Specification