RESPONSE TO ALERT MESSAGE

• US 20110055076A1
• Filed: 08/04/2010
• Published: 03/03/2011
• Est. Priority Date: 08/25/2009
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Trifiletti, Greg, Hammad, Ayman
• Application Number:
  US12/849,931
• Publication Number:
  US 20110055076A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

One embodiment of the invention is directed to a system comprising a server computer, a database coupled to the server, and a notification device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive a request to modify delivery instructions for alerts associated with a consumer, and modify delivery instructions for alerts associated with the consumer.

Claims

1. A system comprising:

a server comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising computer readable program code embodied therein, the computer readable program code adapted to be executed by the processor to receive a request to modify delivery instructions for alerts associated with a consumer, and modify delivery instructions for alerts associated with the consumer;

a database coupled to the server; and

a notification device in operative communication with the server.

2. A method comprising:

receiving, at a server computer, a request to modify delivery instructions for alerts associated with a consumer; and

modifying delivery instructions for alerts associated with the consumer.

3. The method of claim 2 wherein the request includes an identifier associated with a consumer account, and wherein the method further comprises providing confirmation that delivery instructions for alerts associated with the consumer have been modified as requested.

4. The method of claim 3 wherein the delivery instructions are modified only for alerts associated with the consumer account.

5. The method of claim 2 wherein the request includes an amount of time to modify the delivery instructions and wherein the delivery instructions for the alerts are only modified for the amount of time.

6. The method of claims 5 wherein the confirmation includes an indication that alerts will resume after the amount of time passes.

7. The method of claim 2 wherein the confirmation is received at a notification device.

8. The method of claim 7 wherein the notification device is a phone or PDA.

9. The method of claim 2 wherein the request was sent by a consumer using a mobile device.

10. The method of claim 2 wherein the request to modify delivery instructions includes a request to stop, pause, or resume the alerts.

11. The method of claim 10 wherein modifying delivery instructions for alerts includes setting a flag in a database to indicate notifications are paused or resetting the flag in the database to indicate notifications are resumed.

12. A computer readable medium comprising:

computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method of claim 2.

13. A server computer comprising the processor;

and the computer readable medium of claim 12 coupled to the processor.

14. A method comprising:

receiving, at a server computer, a request for more information related to an alert associated with a payment transaction wherein the alert was received by a consumer at a notification device;

determining if the request is proper;

if the request is proper, obtaining the more information requested; and

sending a response message with the more information.

15. The method of claim 14 wherein if the request is not proper, sending a response message asking the consumer to resend the request.

16. The method of claim 14 wherein the request for more information includes a request for the merchant name for the transaction, a request to talk to a customer support representative, a request for the last three transactions made on the consumer'"'"'s account, a request for whether the payment card was swiped or keyed during the transaction, and a request for how much the consumer has spent on the account in the last thirty days for a particular merchant.

17. The method of claim 14 wherein the request includes an identifier associated with a consumer account.

18. The method of claim 17 wherein the identifier is used to provide more information related to the consumer account.

19. A computer readable medium comprising:

computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method of claim 14.

20. A server computer comprising the processor;

and the computer readable medium of claim 19 coupled to the processor.

21. A notification device comprising:

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 alerts associated with a consumer account, code for sending a request to modify delivery instructions for the alerts wherein a server computer associated with a payment processing network receives a request to modify delivery instructions for alerts associated with a consumer, modifies delivery instructions for alerts associated with the consumer, and provides confirmation that delivery instructions for alerts associated with the consumer have been modified as requested.