SECURE ALERT SYSTEM AND METHOD

• US 20110055013A1
• Filed: 11/12/2009
• Published: 03/03/2011
• Est. Priority Date: 08/28/2009
• Status: Active Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman
• Application Number:
  US12/617,268
• Publication Number:
  US 20110055013A1
• Time in Patent Office: Days
• US Class Current: 705/14.53
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06Q 10/109 Time management, e.g. calendars, reminders, meetings or time accounting
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

A method for receiving transaction data for a transaction, accessing a database comprising alert preference data, and generating a secure alert message using the transaction data and alert preference data using a notification server coupled to the database. The secure alert message comprises a dynamic identifier personal to the consumer. The method also includes sending the secure alert message to a consumer device.

Claims

1. A notification server computer comprising:

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,

generating a secure alert message using the transaction data, wherein the secure alert message comprises a dynamic identifier, and

sending the secure alert message to a notification device.

2. The notification server of claim 1, wherein the secure alert message further comprises a transaction identifier associated with the transaction.

3. The notification server of claim 1, wherein the secure alert message further comprises a security phrase or image.

4. The notification server of claim 1, wherein the secure alert message further comprises an advertisement.

5. The notification server of claim 1, wherein the secure alert messaging further comprises a logo.

6. The notification server of claim 1, wherein the transaction data are obtained from an authorization request message or an authorization response message generated in response to the transaction.

7. A method comprising:

receiving transaction data for a transaction;

generating a secure alert message using the transaction data, wherein the secure alert message comprises a dynamic identifier; and

sending the secure alert message to a notification device.

8. The method of claim 7, wherein the secure alert message further comprises a transaction identifier associated with the transaction.

9. The method of claim 7, wherein the secure alert message further comprises a security phrase or image.

10. The method of claim 7, wherein the secure alert message further comprises an advertisement.

11. The method of claim 7, wherein the secure alert message further comprises a logo.

12. A method comprising:

conducting a transaction using an account identifier; and

receiving a secure alert message associated with the transaction at a notification device, wherein the secure alert message comprises a dynamic identifier.

13. The method of claim 12, wherein the secure alert message further comprises a transaction identifier associated with the transaction.

14. The method of claim 12, wherein the secure alert message further comprises a security phrase or image.

15. The method of claim 12, wherein the secure alert message further comprises an advertisement.

16. The method of claim 12, wherein the secure alert message further comprises a logo.