Mobile alert transaction system and method

• US 8,682,793 B2
• Filed: 05/28/2013
• Issued: 03/25/2014
• Est. Priority Date: 06/26/2008
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Faith, Patrick
• Primary Examiner(s): NGUYEN, TIEN C
• Application Number:
  US13/903,940
• Publication Number:
  US 20130262312A1
• Time in Patent Office: 301 Days
• Field of Search: 705/50, 705/40, 705/39, 705/75, 726/19, 235/380, 345/690
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

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.

Claims

1. A method comprising:

receiving an authorization request message associated with a transaction, the transaction associated with a consumer account and 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.

2. The method of claim 1, wherein determining the geographic location of the transaction comprises determining a geographic location of an access device, a merchant, a consumer, or a portable consumer device associated with the transaction, further comprising:

determining a consumer icon identifying a geographic location of the notification device relative to the map; and

providing the consumer icon to the notification device.

3. The method of claim 1, wherein the transaction is selected among a list of one or more transactions.

4. The method of claim 1, wherein the steps of determining whether the notification message is required and sending the notification message are performed while processing the authorization request message.

5. The method of claim 1, further comprising:

determining a fraud score of the transaction; and

graphically representing the fraud score on the map.

6. The method of claim 1, further comprising:

determining one or more customized actions associated with the transaction;

providing to the consumer associated with the consumer account the one or more customized actions; and

receiving a selected action of the one or more customized actions.

7. The method of claim 6, wherein the selected action is an action for setting a fraud level for the transaction, the fraud level indicates a likelihood of fraud, further comprising:

determining a plurality of fraud levels;

receiving a selection of a fraud level of the plurality of fraud levels; and

associating the selected fraud level with the transaction.

8. The method of claim 6, wherein the selected action is an action for disabling the consumer account associated with the transaction.

9. The method of claim 6, wherein the selected action is an action for disputing the transaction.

10. The method of claim 6, wherein the selected action is an action for providing additional information about the transaction.

11. The method of claim 6, wherein the selected action is an action for enabling a consumer to claim ownership of the transaction, wherein the consumer account is associated with a plurality of authorized consumers.

12. The method of claim 6, wherein the selected action is an action for providing the notification message in an application-specific format, further comprising:

determining one or more application formats specified in an enrollment profile of a consumer associated with the consumer account;

providing one or more indicators for the one or more application formats;

receiving a selection of an indicator of the one or more indicators representing a selected application format;

formatting the notification message in the selected application format; and

providing the formatted notification to the consumer.

13. The method of claim 1 wherein determining that the notification message is required comprises detecting a notification event.

14. The method of claim 13 wherein the notification event is initiation of a transaction associated with the consumer account, a completion of a transaction with the consumer account, a transaction initiated by the consumer, a transaction over a certain amount of money, any transaction conducted with the consumer account, a spending threshold has been reached for the consumer account, a transaction is made outside a particular geographic location, a risky transaction is being conducted, a transaction is made without a physical portable consumer device, a cash transaction, a cash withdrawal, an online account has been accessed to initiate a transaction, a balance on the consumer account is exceeded, or a particular type of transaction is being conducted.

15. A notification device comprising:

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 of receiving a notification message, and code of generating a map comprising a graphical depiction of the notification message associated with a transaction conducted with a consumer account and 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.

16. A server computer comprising:

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 consumer account and 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.

17. The server computer of claim 16, wherein the computer readable medium further comprises code executable by the processor to:

determine an icon identifying a geographic location of the merchant relative to the map; and

provide the icon to the notification device associated with the transaction.

18. The server computer of claim 16, wherein the computer readable medium further comprises code executable by the processor to:

determine a geographic location of an access device, a merchant, a consumer, or a portable consumer device associated with the selected transaction; and

determine a consumer icon identifying a geographic location of the notification device relative to the map.

19. The server computer of claim 16, wherein the steps of determining whether the notification message is required and sending the notification message are performed while processing the authorization request message.

20. The server computer of claim 16, wherein the computer readable medium further comprises code executable by the processor to:

determine one or more customized actions associated with the transaction, wherein the consumer associated with the consumer account is provided with the one or more customized actions and a selected action of the one or more customized actions is received.

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:

receiving an authorization request message associated with a transaction, the transaction associated with a consumer account and 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.