SMART PHONE SYSTEM AND METHOD
First Claim
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1. A method comprising:
- receiving, by a computer based system for processing a transaction, a transaction request from a merchant point of sale system;
declining, by the computer based system, the transaction request;
transmitting, by the computer based system, a passive pushed message to an application associated with a transaction account holder, in response to and substantially in concert with the declined transaction request;
receiving, by the computer based system, a response to the passive pushed message;
storing, by the computer based system, a preauthorization of a second attempt of the transaction request in response to the response to the passive pushed message meeting pre-established criteria;
transmitting, by the computer based system, a second pushed message to the application associated with the transaction account holder;
receiving, by the computer based system;
the second attempt of the transaction request from the merchant point of sale system; and
authorizing, by the computer based system, the second attempt of the transaction request.
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Abstract
A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a computer based system for processing a transaction, a transaction request from a merchant point of sale system; declining, by the computer based system, the transaction request; transmitting, by the computer based system, a passive pushed message to an application associated with a transaction account holder, in response to and substantially in concert with the declined transaction request; receiving, by the computer based system, a response to the passive pushed message; storing, by the computer based system, a preauthorization of a second attempt of the transaction request in response to the response to the passive pushed message meeting pre-established criteria; transmitting, by the computer based system, a second pushed message to the application associated with the transaction account holder; receiving, by the computer based system;
the second attempt of the transaction request from the merchant point of sale system; andauthorizing, by the computer based system, the second attempt of the transaction request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A system comprising:
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a processor for processing a transaction, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; receiving, by the processor, a transaction request from a merchant point of sale system; declining, by the processor, the transaction request; transmitting, by the processor, a passive pushed message to an application associated with a transaction account holder, in response to and substantially in concert with the declined transaction request; receiving, by the processor, a response to the passive pushed message; storing, by the processor, a preauthorization of a second attempt of the transaction request in response to the response to the passive pushed message meeting pre-established criteria; transmitting, by the processor, a second pushed message to the application associated with the transaction account holder; receiving, by the processor, the second attempt of the transaction request transaction request from the merchant point of sale system; and authorizing, by the processor, the second attempt of the transaction request.
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20. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system for processing a transaction, cause the computer-based system to perform operations comprising:
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receiving, by the computer based system, a transaction request from a merchant point of sale system; declining, by the computer based system, the transaction request; transmitting, by the computer based system, a passive pushed message to an application associated with a transaction account holder, in response to and substantially in concert with the declined transaction request; receiving, by the computer based system, a response to the passive pushed message; storing, by the computer based system, a preauthorization of a second attempt of the transaction request in response to the response to the passive pushed message meeting pre-established criteria; transmitting, by the computer based system, a second pushed message to the application associated with the transaction account holder; receiving, by the computer based system;
the second attempt of the transaction request from the merchant point of sale system; andauthorizing, by the computer based system, the second attempt of the transaction request.
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Specification