Transaction alerting in a multi-network environment

• US 20120095918A1
• Filed: 10/14/2011
• Published: 04/19/2012
• Est. Priority Date: 10/14/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Jurss, Penny
• Granted Patent: US 9,367,843 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Techniques are provided for generating a transaction alert for a transaction whether the transaction was processed by a first payment processing network associated with an alerting platform or the transaction was processed by a second payment processing network not associated with an alert platform. An authorization request message associated with a transaction is received by a transaction processing server configured to receive authorization request messages from a first payment network and a second payment network. If the authorization request message was routed through the second payment network, alert initiation data is transmitted to an alert platform associated with the first payment network. The alert platform is configured to apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated, generate the alert, and transmit the alert to a mobile application.

Claims

1. A method for generating an alert, the method comprising:

receiving by a transaction processing server computer an authorization request message associated with a first transaction, wherein the transaction processing server computer is configured to receive authorization request messages from a first payment network and a second payment network;

determining if the authorization request message was routed through the first payment network or the second payment network, wherein if the authorization request message was routed through the second payment network;

alert initiation data is transmitted to an alert platform associated with the first payment network, wherein the alert platform is configured to;

apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated;

generate the alert; and

transmit the alert to a mobile application.

2. The method of claim 1, further comprising:

parsing the authorization request message;

analyzing a portion of the authorization request message to determine an identification sequence; and

determining whether an alert service is associated with the identification sequence;

wherein if an alert service is not associated with the identification sequence;

alert initiation data is not transmitted to an alert platform.

3. The method of claim 1, wherein determining if the authorization request message was routed through the first payment network or the second payment network comprises parsing the authorization request message and analyzing a portion of the authorization request message.

4. The method of claim 1, wherein if the authorization request message was routed through the first payment network, alert initiation data is not transmitted from the transaction processing server computer to the alert platform.

5. The method of claim 1, wherein a plurality of alert criteria are applied to the alert initiation data.

6. The method of claim 5, wherein if multiple alerts are generated from the alert initiation data, a single alert is transmitted to the mobile application.

7. The method of claim 1, further comprising a first payment account and a second payment account associated with a mobile device, the mobile application configured to be executed by a processor of the mobile device.

8. The method of claim 7, wherein if the authorization request message is associated with the first payment account, alert initiation data associated with the first payment account is transmitted to the alert platform, wherein if the authorization request message is associated with the second payment account, alert initiation data associated with the second payment account is transmitted to the alert platform.

9. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable by a processor for implementing a method comprising;

receiving an authorization request message associated with a first transaction, wherein the transaction processing server computer is configured to receive authorization request messages from a first payment network and a second payment network;

determining if the authorization request message was routed through the first payment network or the second payment network, wherein if the authorization request message was routed through the second payment network;

alert initiation data is transmitted to an alert platform associated with the first payment network, wherein the alert platform is configured to;

apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated;

generate the alert; and

transmit the alert to a mobile application.

10. The server computer of claim 9, wherein the processor is further configured to:

parse the authorization request message;

analyze a portion of the authorization request message to determine an identification sequence; and

determine whether an alert service is associated with the identification sequence;

wherein if an alert service is not associated with the identification sequence;

alert initiation data is not transmitted to an alert platform.

11. The server computer of claim 9, wherein determining if the authorization request message was routed through the first payment network or the second payment network comprises parsing the authorization request message and analyzing a portion of the authorization request message.

12. The server computer of claim 9, wherein if the authorization request message was routed through the first payment network, alert initiation data is transmitted from the transaction processing server computer to the alert platform.

13. The server computer of claim 9, wherein a plurality of alert criteria are applied to the alert initiation data.

14. The server computer of claim 13, wherein if multiple alerts are generated from the alert initiation data, a single alert is transmitted to the mobile application.

15. The server computer of claim 9, wherein a first payment account and a second payment account are associated with a mobile device, the mobile application configured to be executed by a processor of the mobile device.

16. The server computer of claim 15, wherein if the authorization request message is associated with the first payment account, alert initiation data associated with the first payment account is transmitted to the alert platform, wherein if the authorization request message is associated with the second payment account, alert initiation data associated with the second payment account is transmitted to the alert platform.

17. A method for generating an alert, the method comprising:

generating by a computer an authorization request message associated with a first transaction;

transmitting the authorization request message via one of a first payment processing network or a second payment processing network to a transaction processing server computer;

wherein the transaction processing server computer is configured to;

determine if the authorization request message was routed through the first payment network or the second payment network;

wherein if the authorization request message was routed through the second payment network;

alert initiation data is transmitted to an alert platform associated with the first payment network, wherein the alert platform is configured to;

apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated;

generate the alert; and

transmit the alert to a mobile application.

18. The method of claim 17, wherein a first payment account and a second payment account are associated with a mobile device, the mobile application configured to be executed by a processor of the mobile device.

19. The method of claim 18, wherein if the authorization request message is associated with the first payment account, alert initiation data associated with the first payment account is transmitted to the alert platform, wherein if the authorization request message is associated with the second payment account, alert initiation data associated with the second payment account is transmitted to the alert platform

20. A computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable by a processor for implementing a method comprising;

generating an authorization request message associated with a first transaction;

transmitting the authorization request message via one of a first payment processing network or a second payment processing network to a transaction processing server computer;

wherein the transaction processing server computer is configured to;

determine if the authorization request message was routed through the first payment network or the second payment network;

wherein if the authorization request message was routed through the second payment network;

alert initiation data is transmitted to an alert platform associated with the first payment network, wherein the alert platform is configured to;

apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated;

generate the alert; and

transmit the alert to a mobile application.

21. The computer of claim 20, wherein a first payment account and a second payment account are associated with a mobile device, the mobile application configured to be executed by a processor of the mobile device.

22. The computer of claim 21, wherein if the authorization request message is associated with the first payment account, alert initiation data associated with the first payment account is transmitted to the alert platform, wherein if the authorization request message is associated with the second payment account, alert initiation data associated with the second payment account is transmitted to the alert platform.