Smart phone system and method

• US 9,047,594 B2
• Filed: 02/27/2012
• Issued: 06/02/2015
• Est. Priority Date: 02/27/2012
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Ahluwalia, Aruj, Marshall, Vernon, Narayanan, Satish Thenthiruperai, Roth, Andrew, Rui, Xiongwen, Serge, Thomas K.
• Primary Examiner(s): Rudy, Andrew J
• Application Number:
  US13/406,226
• Publication Number:
  US 20130226720A1
• Time in Patent Office: 1,191 Days
• Field of Search: 705/16, 705/17, 705/18, 705/26.1, 705/27.1, 705/2, 705/26.35, 235/376, 235/383, 235/380
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: H04W 4/12 Messaging; Mailboxes; Announcements

Abstract

A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

Claims

1. A method comprising:

receiving, by a computer based system configured for processing a transaction, a first attempt of a transaction request from a merchant point of sale system;

declining, by the computer based system, the first attempt of the transaction request;

transmitting, by the computer based system, a first passively pushed message to an application associated with a transaction account holder, in response to and substantially in concert with the declined first attempt of the transaction request;

receiving, by the computer based system, a response to the first passively pushed message;

storing, by the computer based system, a preauthorization of a second attempt of the transaction request in response to the response to the first passively pushed message meeting pre-established criteria;

transmitting, by the computer based system, a second passively pushed message to the application associated with the transaction account holder;

receiving, by the computer based system, the second attempt of the transaction request from the merchant point of sale system; and

authorizing, by the computer based system, the second attempt of the transaction request.

2. The method of claim 1, wherein the first passively pushed message is transmitted to a mobile device of the transaction account holder.

3. The method of claim 2, further comprising receiving, by the computer based system, device characteristics of the mobile device associated with the transaction account holder via the received reply.

4. The method of claim 1, wherein the transaction account holder downloads the application.

5. The method of claim 1, wherein the transaction account holder installs the application on a mobile device.

6. The method of claim 1, wherein the transaction account holder logs onto the application by a mobile device.

7. The method of claim 6, wherein a unique device identifier is associated with the mobile device of the transaction account holder based on a digital fingerprint of the mobile device.

8. The method of claim 1, wherein the transaction is authorized based on both the response to the passively pushed message indicating that the transaction is authorized and a digital fingerprint of the responding device matching a stored digital fingerprint of a mobile device associated with the transaction account holder.

9. The method of claim 1, wherein the first passively pushed message is received by a mobile device.

10. The method of claim 1, wherein the point of sale system is a virtual point of sale system.

11. The method of claim 1, wherein the first passively pushed message comprises one of requesting authorization of a suspected fraudulent transaction, requesting payment on the transaction account, or the option to initiate a one click communication session.

12. The method of claim 11, wherein the payment is requested on the transaction account due to the transaction account being past due or the transaction resulting in the transaction account exceeding a preset limit.

13. The method of claim 1, further comprising receiving secure log-on data via the application.

14. The method of claim 1, wherein the transaction is initiated via a mobile device of the transaction account holder.

15. The method of claim 1, wherein the transaction is authorized based on the transaction account holder submitting a valid payment via the application in response to the passive pushed message.

16. The method of claim 15, wherein the transaction account holder transmits secure log-on information to at least one of receive financial transaction account information or make a payment to the transaction account.

17. The method of claim 1, wherein the first passively pushed message comprises a calculated minimum amount value particular to the instant transaction to cure the declined transaction.

18. The method of claim 1, wherein the second passively pushed message instructs the transaction account holder to perform a second attempt of the transaction.

19. A system comprising:

a processor configured for processing a transaction,

a tangible, non-transitory memory configured to communicate with the processor,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

receiving, by the processor, a first attempt of a transaction request from a merchant point of sale system;

declining, by the processor, the first attempt of the transaction request;

transmitting, by the processor, a first passively pushed message to an application associated with a transaction account holder, in response to and substantially in concert with the declined first attempt of the transaction request;

receiving, by the processor, a response to the first passively pushed message;

storing, by the processor, a preauthorization of a second attempt of the transaction request in response to the response to the first passively pushed message meeting pre-established criteria;

transmitting, by the processor, a second passively pushed message to the application associated with the transaction account holder;

receiving, by the processor, the second attempt of the transaction request transaction request from the merchant point of sale system; and

authorizing, by the processor, the second attempt of the transaction request.

20. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system configured for processing a transaction, cause the computer-based system to perform operations comprising:

receiving, by the computer based system, a first attempt of a transaction request from a merchant point of sale system;

declining, by the computer based system, the first attempt of the transaction request;

transmitting, by the computer based system, a first passively pushed message to an application associated with a transaction account holder, in response to and substantially in concert with the declined first attempt of the transaction request;

receiving, by the computer based system, a response to the first passively pushed message;

storing, by the computer based system, a preauthorization of a second attempt of the transaction request in response to the response to the first passively pushed message meeting pre-established criteria;

transmitting, by the computer based system, a second passively pushed message to the application associated with the transaction account holder;

receiving, by the computer based system, the second attempt of the transaction request from the merchant point of sale system; and

authorizing, by the computer based system, the second attempt of the transaction request.