ALERT ARCHITECTURE
First Claim
1. A system comprising:
- a payment processing server;
a first database comprising a group of account identifiers coupled to the payment processing server computer;
a second database comprising at least the group of account identifiers, wherein the second database is operatively coupled to the first database; and
a notification server computer operatively coupled to the second database.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an 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 alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.
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Citations
20 Claims
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1. A system comprising:
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a payment processing server; a first database comprising a group of account identifiers coupled to the payment processing server computer; a second database comprising at least the group of account identifiers, wherein the second database is operatively coupled to the first database; and a notification server computer operatively coupled to the second database. - 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 transaction data comprising an account identifier; determining if the account identifier is present in a first database comprising a group of account identifiers; if the account identifier is in the first database, then sending the transaction data to a notification server computer, which is in communication with a second database comprising at least the group of account identifiers, wherein the notification server computer thereafter sends an alert message to a user device; and if the account identifier is not in the first database, then sending an authorization response message to a merchant without sending the transaction data to the notification server computer. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. A method comprising:
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using a portable consumer device, performing an electronic transaction; and receiving an alert message associated with a transaction at a user device, wherein the alert massage is generated from a notification server computer coupled to a payment processing server computer, and wherein the notification server computer receives transaction data from the payment processing server computer and generates the alert message based on customization data stored in a database coupled to the notification server computer. - View Dependent Claims (20)
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Specification