REAL-TIME STATEMENT CREDITS AND NOTIFICATIONS
First Claim
1. A server computer comprising:
- a processor; and
a computer readable medium coupled to the processor, the computer readable medium comprising code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data, wherein the electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer.
1 Assignment
0 Petitions
Accused Products
Abstract
One embodiment of the invention is directed to a server computer comprising a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data. The electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. For example, transaction data is received indicating that a consumer made a purchase with his credit card. If the purchase was in accordance with a previously sent offer, the consumer'"'"'s account associated with the credit card is credited and the consumer is immediately notified that the account was credited.
169 Citations
30 Claims
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1. A server computer comprising:
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a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data, wherein the electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method comprising:
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receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record; determining, using a server computer, whether the payment transaction qualifies for a credit; initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit; and sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data, wherein the electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method comprising:
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receiving an offer at a phone; conducting a transaction associated with a primary account number using a consumer device; and receiving a notification message at the phone substantially contemporaneously with conducting the transaction, wherein the notification message includes information about the offer and that the primary account was credited the amount of the offer. - View Dependent Claims (23, 24, 25, 26, 27)
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28. A phone comprising:
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a processor; an antenna coupled to the processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code for receiving a notification message substantially contemporaneously with a payment transaction conducted by a consumer, wherein the notification message relates to a transaction associated with a primary account number and includes information about an offer and that the primary account was credited the amount of the offer.
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29. A method comprising:
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receiving an offer at a personal navigation device; conducting a transaction associated with a primary account number using a consumer device; and receiving a notification message at the personal navigation device substantially contemporaneously with conducting the transaction, wherein the notification message includes information about the offer and that the primary account was credited the amount of the offer.
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30. A method comprising:
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receiving an offer at a television; conducting a transaction associated with a primary account number using a consumer device; and receiving a notification message at the television substantially contemporaneously with conducting the transaction, wherein the notification message includes information about the offer and that the primary account was credited the amount of the offer.
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Specification