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SMART PHONE SYSTEM AND METHOD

  • US 20130226717A1
  • Filed: 02/27/2012
  • Published: 08/29/2013
  • Est. Priority Date: 02/27/2012
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, by a computer based application for handling a declined transaction and by a transaction account holder, a passive pushed message in response to and substantially in concert with the declined transaction via a merchant point of sale system;

    selecting, by the computer based application, an option presented in the passive pushed message; and

    receiving, by the computer based application, a response to the selection of the option, wherein the response at least one of instructs the transaction account holder to retry the transaction or presents a one click option to the transaction account holder to open a communication session.

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