Method and apparatus for managing alerts
First Claim
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1. A method for managing alerts comprising:
- identifying, within a financial computing system (FCS) executing on a processor, a consumer financial data item comprising a financial deadline;
comparing, by the FCS, a number of days between the financial deadline and a current date with a threshold, wherein the number of days satisfies the threshold;
determining, by the FCS, an alert level corresponding to the threshold;
sending, from the FCS to an alert device comprising an alert indicator using an electronic network, the alert level and a portion of the consumer financial data item including the financial deadline, wherein the alert indicator displays the portion on the alert device according to the alert level, and wherein the electronic network couples the FCS and the alert device;
identifying, within the FCS, a minimum payment amount and a minimum balance requirement, wherein the consumer financial data item further comprises the minimum payment amount and the minimum balance requirement;
comparing, by the FCS, the minimum payment amount with a minimum payment amount threshold, wherein the minimum payment amount satisfies the minimum payment amount threshold, and wherein the alert level further corresponds to the minimum payment amount threshold; and
sending, from the FCS to the alert device using the electronic network, the minimum payment amount and the minimum balance requirement, wherein the alert indicator further displays the minimum payment amount and the minimum balance requirement on the alert device according to the alert level.
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Abstract
A method and apparatus for managing alerts is described, the method including receiving consumer financial data including at least one financial deadline. Alert level criteria is applied to the data in order to determine an alert level for each of the deadlines. A visual or audible alert indicator is activated which corresponds with at least one alert level. Alert level criteria is periodically reapplied to determine an alert level for each of the deadlines.
8 Citations
14 Claims
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1. A method for managing alerts comprising:
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identifying, within a financial computing system (FCS) executing on a processor, a consumer financial data item comprising a financial deadline; comparing, by the FCS, a number of days between the financial deadline and a current date with a threshold, wherein the number of days satisfies the threshold; determining, by the FCS, an alert level corresponding to the threshold; sending, from the FCS to an alert device comprising an alert indicator using an electronic network, the alert level and a portion of the consumer financial data item including the financial deadline, wherein the alert indicator displays the portion on the alert device according to the alert level, and wherein the electronic network couples the FCS and the alert device; identifying, within the FCS, a minimum payment amount and a minimum balance requirement, wherein the consumer financial data item further comprises the minimum payment amount and the minimum balance requirement; comparing, by the FCS, the minimum payment amount with a minimum payment amount threshold, wherein the minimum payment amount satisfies the minimum payment amount threshold, and wherein the alert level further corresponds to the minimum payment amount threshold; and sending, from the FCS to the alert device using the electronic network, the minimum payment amount and the minimum balance requirement, wherein the alert indicator further displays the minimum payment amount and the minimum balance requirement on the alert device according to the alert level. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer readable medium storing instructions for managing alerts, the instructions executable on a computer and comprising functionality to:
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identify, within a financial computing system (FCS), a consumer financial data item comprising a financial deadline; compare, by the FCS, a number of days between the financial deadline and a current date with a threshold, wherein the number of days satisfies the threshold; determine, by the FCS, an alert level corresponding to the threshold; send, from the FCS to an alert device comprising an alert indicator using an electronic network, the alert level and a portion of the consumer financial data item including the financial deadline, wherein the alert indicator displays the portion on the alert device according to the alert level, and wherein the electronic network couples the FCS and the alert device; identify, within the FCS, a minimum payment amount and a minimum balance requirement, wherein the consumer financial data item further comprises the minimum payment amount and the minimum balance requirement; compare, by the FCS, the minimum payment amount with a minimum payment amount threshold, wherein the minimum payment amount satisfies the minimum payment amount threshold, and wherein the alert level further corresponds to the minimum payment amount threshold; and send, from the FCS to the alert device using the electronic network, the minimum payment amount and the minimum balance requirement, wherein the alert indicator further displays the minimum payment amount and the minimum balance requirement on the alert device according to the alert level. - View Dependent Claims (10, 11, 12, 13, 14)
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Specification