Real-time balance updates

• US 8,645,971 B2
• Filed: 12/21/2007
• Issued: 02/04/2014
• Est. Priority Date: 12/26/2006
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Carlson, Mark, Hammad, Ayman, Faith, Patrick
• Primary Examiner(s): DAO, TUAN C.
• Application Number:
  US11/963,736
• Publication Number:
  US 20080163257A1
• Time in Patent Office: 2,237 Days
• Field of Search: None
• US Class Current: 719/318
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 15/8033 location-dependent, e.g. business or home
• CPC Class Codes: H04M 15/83 Notification aspects
• CPC Class Codes: H04M 15/835 Time or frequency of notifications, e.g. Advice of Charge [AoC]
• CPC Class Codes: H04M 15/84 Types of notifications
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/851 Determined tariff
• CPC Class Codes: H04M 15/854 Available credit
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/7435 Location dependent, e.g. Bussiness or home
• CPC Class Codes: H04M 2215/81 Notifying aspects, e.g. notifications or displays to the user
• CPC Class Codes: H04M 2215/8104 Time or frequency of notification
• CPC Class Codes: H04M 2215/8129 Type of notification
• CPC Class Codes: H04M 2215/815 Notification when a specific condition, service or event is met
• CPC Class Codes: H04M 2215/8166 Available credit
• CPC Class Codes: H04W 4/24 : Accounting or billing

Abstract

A method and a system that retrieves dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.

Claims

1. A method comprising:

triggering a notification using a notification device of a consumer, wherein the notification is triggered by placing the notification device near a portable consumer device; and

receiving the notification on the notification device,

wherein the notification device belongs to the consumer and comprises a contactless receiver, a processor, a computer-readable medium, and a display,

wherein the portable consumer device belongs to the consumer and is associated with an account identifier and comprises a payment device and a contactless transmitter,

wherein the notification comprises dynamic data associated with the account, and

wherein by placing the portable consumer device near the notification device, a signal is sent from the contactless transmitter on the portable consumer device to the contactless receiver on the notification device.

2. The method of claim 1, wherein the dynamic data is a real-time balance update.

3. The method of claim 1, wherein the dynamic data is a real-time rewards information update.

4. The method of claim 1, wherein the notification with the dynamic data is provided to consumer on the display of the notification device.

5. The method of claim 4, wherein the notification with the dynamic data is provided in response to a request for the notification by the consumer on the notification device.

6. A method of claim 1,

wherein the notification device is a phone, and

wherein the notification sent to the notification device includes at least one of a phone call, voicemail, short message service (SMS), instant message (IM), or email.

7. A method of claim 1, wherein the dynamic data is based on a transaction conducted using the portable consumer device at an access device located at a merchant.

8. The method of claim 1, wherein the notification device sends a request for the notification to a notification server in operative communication with a payment processing network.

9. A method of claim 1, wherein the notification device and the portable consumer device are separate devices.

10. A system comprising:

a payment processing network for generating and storing dynamic data; and

a notification server, comprising a processor and a computer-readable medium, coupled to the payment processing network, the notification server configured to;

when a notification with dynamic data is triggered, retrieve the dynamic data from the payment processing network, wherein the dynamic data is associated with an account associated with a portable consumer device belonging to a consumer, wherein the portable consumer device comprises a payment device and a contactless transmitter; and

send the notification with the dynamic data to a notification device belonging to the consumer, wherein the notification with dynamic data is provided to the consumer and wherein the notification device includes a contactless receiver,

wherein the notification with dynamic data is triggered by placing the notification device near the portable consumer device such a contactless signal is sent from the contactless transmitter on the portable consumer device to the contactless receiver on the notification device.

11. The system of claim 10, wherein the notification server is further configured to:

retrieve enrollment information; and

confirm that consumer is enrolled to receive the notification based on the enrollment information.

12. The system of claim 10,

wherein the dynamic data is based on an amount of a transaction being conducted.

13. The system of claim 10, wherein the dynamic data is based on an amount of rewards available for redemption after a transaction.

14. A system of claim 13, wherein the transaction is a most recent transaction.

15. A method comprising:

when a notification with dynamic data is triggered, retrieving the dynamic data associated with an account associated with a portable consumer device belonging to a consumer; and

sending the notification with the dynamic data to a notification device belonging to the consumer, wherein the notification with the dynamic data is provided to the consumer,

wherein the notification device belongs to the consumer and comprises a contactless receiver, a processor, a computer-readable medium, and a display,

wherein the portable consumer device comprises a payment device and a contactless transmitter,

wherein the notification comprises dynamic data associated with the account, and

wherein the notification is triggered by placing the notification device near the portable consumer device such a contactless signal is sent from the contactless transmitter on the portable consumer device to the contactless receiver on the notification device.

16. A method of claim 15, wherein the dynamic data is a real-time balance update.

17. A method of claim 15, wherein the dynamic data is a real-time rewards information update.

18. A method of claim 15, further comprising:

retrieving enrollment information; and

confirming that consumer is enrolled to receive the notification based on the enrollment information.

19. A method of claim 15, wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.

20. A method of claim 15, wherein the notification with the dynamic data is provided to consumer on a display of the notification device.

21. A method of claim 15,

wherein the notification device is a phone, and

wherein the notification sent to the notification device includes at least one of a phone call, voicemail, short message service (SMS), instant message (IM), or email.

22. A method of claim 15, wherein the dynamic data is based on an amount of a transaction and the transaction occurs at an access device located at a merchant.

23. A non-transitory computer-readable medium, executable by a processor, for performing a method comprising the steps of:

when a notification with dynamic data is triggered, retrieving the dynamic data associated with an account associated with a portable consumer device belonging to a consumer;

sending the notification with the dynamic data to a notification device belonging to the consumer, wherein the notification with the dynamic data is provided to the consumer; and

wherein the notification device belongs to the consumer and comprises a contactless receiver, a processor, a computer-readable medium, and a display,

wherein the portable consumer device comprises a payment device and a contactless transmitter,

wherein the notification comprises dynamic data associated with the account, and

wherein the notification is triggered by placing the notification device near the portable consumer device such a contactless signal is sent from the contactless transmitter on the portable consumer device to the contactless receiver on the notification device.