Desktop alert with interactive bona fide dispute initiation through chat session facilitated by desktop application
First Claim
1. A method comprising:
- sending, from a client, one or more transmissions including;
a request for an installation of a desktop application, the desktop application implemented at least in part with computer-executable instructions; and
information about an account issued by an issuer to an account holder;
receiving data for the installation of the desktop application on the client, the data including the computer-executable instructions;
installing the desktop application using the data for the installation such that the desktop application is linked to the account at least at the time of installation and the computer-executable instructions of the desktop application are executable by the client;
receiving, at the client, an alert including data for a financial transaction on the account that was previously conducted with a merchant, wherein;
the desktop of the client has rendered thereon a user interface, the user interface rendered at least in part by the desktop application installed on the client; and
the account was issued by the issuer to the account holder to conduct a plurality of said financial transactions on the account with a plurality of said merchants, the issuer being distinct from the account holder and each merchant;
if the alert has been received during a time period when a user of the client was not on line, storing the alert for future delivery to the desktop of the client; and
responsive to receiving the alert including the data for the financial transaction, at least;
initiating a real-time chat session with an executable agent incorporating artificial intelligence and representing the issuer; and
providing, to the executable agent through the real-time chat session, a written request for an investigation by the issuer of the financial transaction with respect to authorization of the financial transaction by the account holder, the written request comprising at least a reference to the financial transaction associated with the alert.
1 Assignment
0 Petitions
Accused Products
Abstract
A consumer installs a desktop application on a computer which renders a user interface on the computer'"'"'s desktop. Upon installation, the desktop application is registered to receive offers and alerts. Each alert includes data for a transaction on an account conducted with a merchant where the account was issued by an issuer to an account holder to conduct transactions on the account with merchants. A received alert is rendered on the desktop. If the consumer, upon review of the rendered alert, deems the corresponding transaction to be fraudulent, the consumer can operate the user interface to activate a live chat with a web service, and use the live chat to send information sufficient to initiate a bona fide dispute of the transaction. The offers are rendered on the user interface as advertisement and are selectable to initiate a transaction on the account.
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Citations
25 Claims
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1. A method comprising:
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sending, from a client, one or more transmissions including; a request for an installation of a desktop application, the desktop application implemented at least in part with computer-executable instructions; and information about an account issued by an issuer to an account holder; receiving data for the installation of the desktop application on the client, the data including the computer-executable instructions; installing the desktop application using the data for the installation such that the desktop application is linked to the account at least at the time of installation and the computer-executable instructions of the desktop application are executable by the client; receiving, at the client, an alert including data for a financial transaction on the account that was previously conducted with a merchant, wherein; the desktop of the client has rendered thereon a user interface, the user interface rendered at least in part by the desktop application installed on the client; and the account was issued by the issuer to the account holder to conduct a plurality of said financial transactions on the account with a plurality of said merchants, the issuer being distinct from the account holder and each merchant; if the alert has been received during a time period when a user of the client was not on line, storing the alert for future delivery to the desktop of the client; and responsive to receiving the alert including the data for the financial transaction, at least; initiating a real-time chat session with an executable agent incorporating artificial intelligence and representing the issuer; and providing, to the executable agent through the real-time chat session, a written request for an investigation by the issuer of the financial transaction with respect to authorization of the financial transaction by the account holder, the written request comprising at least a reference to the financial transaction associated with the alert. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method comprising:
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sending one of more transmissions from a client including; a request for data for an installation of a desktop application, the desktop application implemented at least in part with computer-executable instructions; and information about an account issued by an issuer to an account holder; receiving the data for the installation of the desktop application, the data including the computer-executable instructions; installing the desktop application using the data for the installation such that the desktop application is linked to the account at the time of installation and the computer-executable instructions of the desktop application are executable by the client; receiving, for rendering on the desktop at least in part by the desktop application, an alert including data for a financial transaction that was previously conducted on the account with a merchant, wherein the account was issued by the issuer to the account holder to conduct a plurality of said financial transactions on the account with a plurality of said merchants, the issuer being distinct from the account holder and each merchant, and wherein the data included in the alert is selected from the group consisting of; at least four digits from an account number corresponding to the account; an identifier of the merchant; a date and time of the transaction; an currency amount of the transaction; a transaction handler corresponding to the account; an identifier of the issuer; and a combination of the foregoing; if the alert has been received during a time period when a user of the client was not on line, storing the alert for future delivery to the desktop of the client; and responsive to receiving the alert including the data for the financial transaction, at least; initiating a real-time chat session with an executable agent incorporating artificial intelligence and representing the issuer; and providing, to the executable agent through the real-time chat session, a written request for an investigation by the issuer of the financial transaction with respect to authorization of the financial transaction by the account holder, the written request comprising at least a reference to the financial transaction associated with the alert. - View Dependent Claims (17, 18, 19)
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20. A computer program product for use on a client computer system for conducting, in real time, a bona fide dispute of a transaction on an account conducted with a merchant, the computer program product comprising a tangible computer-usable medium having a computer readable program code thereon, the computer-readable program code including program code for, at least:
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requesting an installation of a desktop application, the desktop application implemented at least in part with computer-executable instructions; receiving data for installation of the desktop application including information about an account issued by an issuer to an account holder to conduct a plurality of financial transactions on the account with a plurality of merchants and the computer-executable instructions, the issuer being distinct from the account holder and each merchant; installing the desktop application using the data for the installation such that the desktop application is linked to the account at the time of installation and the computer-executable instructions of the desktop application are executable by the client; storing, on a computer-readable medium, alert data including data descriptive of a financial transaction on the account that was previously conducted with a merchant; upon activation of a desktop of the client computer system, rendering an alert icon on the desktop, the alert icon being rendered at least in part by the desktop application installed on the client computer system, the alert icon being descriptive of the alert data; and responsive to user interaction associated with the alert icon, at least; initiating a real-time chat session with an executable agent incorporating artificial intelligence and representing the issuer; and providing, to the executable agent through the real-time chat session, a written request for an investigation by the issuer of the financial transaction with respect to authorization of the financial transaction by the account holder, the written request comprising at least a reference to the financial transaction associated with the alert. - View Dependent Claims (21, 22, 23, 24, 25)
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Specification