Method and apparatus for managing alerts
First Claim
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1. A system for managing alerts comprising:
- a financial computing system (FCS) configured to;
store a consumer financial data item comprising a financial deadline,compare a number of days between the financial deadline and a current date with a first threshold, wherein the number of days satisfies the first threshold,determine an alert level corresponding to the first threshold,send the alert level and a portion of the consumer financial data item including the financial deadline,identify 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 the minimum payment amount with a minimum payment amount first threshold, wherein the minimum payment amount satisfies the minimum payment amount first threshold, and wherein the alert level further corresponds to the minimum payment amount first threshold, and send the minimum payment amount and the minimum balance requirement; and
an alert device electronically connected to the FCS, the alert device comprising an alert indicator and configured to;
display the portion according to the alert level using the alert indicator, 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.
43 Citations
7 Claims
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1. A system for managing alerts comprising:
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a financial computing system (FCS) configured to; store a consumer financial data item comprising a financial deadline, compare a number of days between the financial deadline and a current date with a first threshold, wherein the number of days satisfies the first threshold, determine an alert level corresponding to the first threshold, send the alert level and a portion of the consumer financial data item including the financial deadline, identify 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 the minimum payment amount with a minimum payment amount first threshold, wherein the minimum payment amount satisfies the minimum payment amount first threshold, and wherein the alert level further corresponds to the minimum payment amount first threshold, and send the minimum payment amount and the minimum balance requirement; and an alert device electronically connected to the FCS, the alert device comprising an alert indicator and configured to; display the portion according to the alert level using the alert indicator, 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)
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Specification