Smart phone system and method
First Claim
Patent Images
1. A method comprising:
- receiving, by a computer based application configured for handling a declined transaction, a passively pushed message in response to and substantially in concert with the declined transaction via a merchant point of sale system;
selecting, by the computer based application, an option presented in the passively pushed message, wherein the option presented in the passively pushed message comprises providing payment on a transaction account, wherein the passively pushed message comprises a calculated minimum amount of information particular to the instant transaction to cure the declined transaction, wherein a transaction account holder transmits secure log-on information in order to make a payment to the transaction account; and
receiving, by the computer based application, a response to the selection of the option, wherein the response instructs the transaction account holder to retry the transaction, wherein the transaction is authorized based on a transaction processor receiving a communication indicating that the transaction account holder submitted a valid payment via the computer based application, in response to the option presented in the passively pushed message.
1 Assignment
0 Petitions
Accused Products
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.
37 Citations
16 Claims
-
1. A method comprising:
-
receiving, by a computer based application configured for handling a declined transaction, a passively pushed message in response to and substantially in concert with the declined transaction via a merchant point of sale system; selecting, by the computer based application, an option presented in the passively pushed message, wherein the option presented in the passively pushed message comprises providing payment on a transaction account, wherein the passively pushed message comprises a calculated minimum amount of information particular to the instant transaction to cure the declined transaction, wherein a transaction account holder transmits secure log-on information in order to make a payment to the transaction account; and receiving, by the computer based application, a response to the selection of the option, wherein the response instructs the transaction account holder to retry the transaction, wherein the transaction is authorized based on a transaction processor receiving a communication indicating that the transaction account holder submitted a valid payment via the computer based application, in response to the option presented in the passively pushed message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
-
-
15. 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 application configured for handling a declined transaction, cause the computer-based system to perform operations comprising:
-
receiving, by the application, a passively pushed message in response to and substantially in concert with the declined transaction via a merchant point of sale system, wherein the option presented in the passively pushed message comprises providing payment on a transaction account, wherein the passively pushed message comprises a calculated minimum amount of information particular to the instant transaction to cure the declined transaction; selecting, by the application, an option presented in the passively pushed message, wherein a transaction account holder transmits secure log-on information in order to make a payment to the transaction account; and receiving, by the application, a response to the selection of the option, wherein the response instructs the transaction account holder to retry the transaction, wherein the transaction is authorized based on a transaction processor receiving a communication indicating that the transaction account holder submitted a valid payment via the application, in response to the option presented in the passively pushed message.
-
-
16. A system comprising:
-
a processor configured for handling a declined transaction, wherein the processor is in communication with an application; 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 via the application, a passively pushed message in response to and substantially in concert with the declined transaction via a merchant point of sale system; selecting, by the processor, an option presented in the passively pushed message, wherein the option presented in the passively pushed message comprises providing payment on a transaction account, wherein the passively pushed message comprises a calculated minimum amount of information particular to the instant transaction to cure the declined transaction, wherein a transaction account holder transmits secure log-on information in order to make a payment to the transaction account; and receiving, by the processor, a response to the selection of the option, wherein the response instructs the transaction account holder to retry the transaction, wherein the transaction is authorized based on a transaction processor receiving a communication indicating that the transaction account holder submitted a valid payment via the application, in response to the option presented in the passively pushed message.
-
Specification