INTELLIGENT ALERT SYSTEM AND METHOD

• US 20100138338A1
• Filed: 09/21/2009
• Published: 06/03/2010
• Est. Priority Date: 09/24/2008
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Carlson, Mark
• Application Number:
  US12/563,586
• Publication Number:
  US 20100138338A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: H04W 4/12 Messaging; Mailboxes; Announcements

Abstract

A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user'"'"'s phone may be “This is a gas purchase transaction. The amount may vary.” In this example, the amount of the purchase is not known until after the user buys gas.

Claims

1. An intelligent messaging system comprising:

a database comprising alert customization data; and

a notification server computer coupled to the database, wherein the notification server computer comprises a processor and a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising;

receiving transaction data for a transaction;

accessing the database comprising alert customization data;

generating an intelligent alert message using the transaction data using a notification server computer, and the alert customization data; and

sending the intelligent alert message to a user device.

2. The system of claim 1, wherein the intelligent messaging system is coupled to a payment processing network having an enrollment database that contains a list of account numbers that are enrolled in the messaging service.

3. The system of claim 2, wherein when an authorization request is received by the payment processing network for the account number enrolled in the messaging service, and the transaction data is sent to the notification server computer.

4. The system of claim 1, wherein a user can access the database and provide user data and setup a plurality of preferences.

5. The system of claim 1, wherein generating the intelligent alert message comprises using a merchant identifier in the transaction data to determine an intelligent message template that is used to generate the intelligent alert message.

6. The system of claim 1, wherein the message includes information related to a recent transaction.

7. The system of claim 1, wherein the notification server computer is further configured to dynamically place a plurality of issuer data in the message, and wherein the plurality of issuer data are setup by a plurality of issuers in the database.

8. A method comprising:

receiving transaction data for a transaction;

accessing a database comprising alert customization data;

generating an intelligent alert message using the transaction data using a notification server computer, a transaction type, and the alert customization data; and

sending the intelligent alert message to a user device.

9. The method of claim 8, wherein the alert customization data causes the alert message to make sense to a user with limited interpretation or confusion.

10. The method of claim 8, further comprising:

dynamically placing a plurality of issuer data in the intelligent alert message, wherein the plurality of issuer data are setup by a plurality of issuers in the database.

11. The method of claim 8, wherein receiving the transaction data for a transaction, accessing the database, generating the intelligent alert messages, and sending the intelligent alert message to the user are performed by a one or more software applications stored in a one or more computer-readable medium housed in the notification server computer.

12. The method of claim 8, wherein generating an intelligent alert message is performed based on determining a type of a user device.

13. The method of claim 8 wherein generating the intelligent alert message comprises using a merchant identifier in the transaction data to determine an intelligent message template that is used to generate the intelligent alert message.

15. The method of claim 13, wherein the user sets a plurality of references regarding receiving the intelligent alert messages at a plurality of user devices during an enrollment process.

16. The method of claim 13, wherein the user receives an intelligent alert message containing dynamic data provided by an issuer associated with the account number.

17. The method of claim 13, wherein the intelligent alert message can be easily interpreted by the user.

14. A method comprising:

performing a transaction associated with an account number of a user; and

receiving an intelligent alert message at a user device,

wherein the intelligent alert message was generated by a notification server computer coupled to a database.

18. The method of claim 14 wherein the intelligent alert message was generated using a merchant identifier in the transaction data and an intelligent message template.