Systems and methods for geographic location notifications of payment transactions
First Claim
1. A method comprising:
- receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant;
determining a geographic location of the transaction;
determining whether a notification message indicating that the transaction is occurring is required to be sent to a notification device operated by a consumer; and
sending the notification message to the notification device operated by the consumer, upon determining that the notification message is required,wherein a graphical depiction of the notification message is thereafter displayed on a map on the notification device, wherein the notification device receives the notification message substantially simultaneously with the receipt of an authorization response message by the merchant.
1 Assignment
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Accused Products
Abstract
A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant'"'"'s receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.
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Citations
21 Claims
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1. A method comprising:
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receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant; determining a geographic location of the transaction; determining whether a notification message indicating that the transaction is occurring is required to be sent to a notification device operated by a consumer; and sending the notification message to the notification device operated by the consumer, upon determining that the notification message is required, wherein a graphical depiction of the notification message is thereafter displayed on a map on the notification device, wherein the notification device receives the notification message substantially simultaneously with the receipt of an authorization response message by the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A notification device comprising:
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a processor; an antenna coupled to the processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor, the code comprising code for receiving a notification message, and code for generating a map comprising a graphical depiction of the notification message associated with a transaction conducted with a portable consumer device and an access device at a merchant, wherein the notification message is received by the notification device substantially simultaneously with the receipt of an authorization response message by the merchant.
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16. A server computer comprising:
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a processor; and a computer readable medium coupled with the processor; the computer readable medium comprising code executable by the processor to; receive an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant; determine a geographic location of the transaction; determine whether a notification message indicating that the transaction is occurring is required; send the notification message to a notification device operated by a consumer, upon determining that the notification message is required, wherein a graphical depiction of the notification message is displayed on a map on the notification device, the notification device receives the notification message substantially simultaneously with the receipt of an authorization response message by the merchant. - View Dependent Claims (17, 18, 19, 20)
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21. A non-transitory machine-readable storage medium storing a sequence of instructions execution of which causes a processor to provide notifications of payment transactions, the execution of the sequence of instructions causes the processor to perform the actions of:
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receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant; determining a geographic location of the transaction; determining whether a notification message indicating that the transaction is occurring is required to be sent to a notification device operated by a consumer; and sending the notification message to the notification device operated by the consumer, upon determining that the notification message is required, wherein a graphical depiction of the notification message is displayed on a map on the notification device, the notification device receives the notification message substantially simultaneously with the receipt of an authorization response message by the merchant.
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Specification