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Real-time alert during on-line transaction

  • US 8,538,827 B1
  • Filed: 04/29/2011
  • Issued: 09/17/2013
  • Est. Priority Date: 04/29/2011
  • Status: Active Grant
First Claim
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1. A computer-implemented method for alerting a consumer during an on-line transaction, the method comprising:

  • a first computer utilized by the consumer and executing a web browser allowing the consumer to access a website of a merchant through a first network, the website being hosted by a second computer;

    the first computer detecting when the consumer is in the process of purchasing an item from the merchant during an on-line transaction through the website;

    the first computer communicating with a financial management system and receiving data of an account the consumer has with the financial management system in response to detecting the on-line transaction, the account data comprising alert criteria received by the first computer before the on-line transaction is completed;

    the first computer comparing data of the on-line transaction and the alert criteria; and

    the first computer generating an alert that is displayed to the consumer when execution of the on-line transaction would generate a pre-determined result relative to the alert criteria before the on-line transaction has been completed.

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