Smart phone system and method
First Claim
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1. A method comprising:
- transmitting, by a computer based system, a first passively pushed message to an application associated with a transaction account holder, in response to a declined first attempt of a transaction request;
receiving, by the computer based system, a response to the first passively pushed message;
transmitting, by the computer based system, a second passively pushed message to the application associated with the transaction account holder, in response to the response to the first passively pushed message meeting pre-established criteria; and
receiving, by the computer based system, a second attempt of the transaction request, wherein the second attempt is authorized.
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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.
50 Citations
20 Claims
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1. A method comprising:
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transmitting, by a computer based system, a first passively pushed message to an application associated with a transaction account holder, in response to a declined first attempt of a transaction request; receiving, by the computer based system, a response to the first passively pushed message; transmitting, by the computer based system, a second passively pushed message to the application associated with the transaction account holder, in response to the response to the first passively pushed message meeting pre-established criteria; and receiving, by the computer based system, a second attempt of the transaction request, wherein the second attempt is authorized. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A system comprising:
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a processor, 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; transmitting, by the processor, a first passively pushed message to an application associated with a transaction account holder, in response to a declined first attempt of a transaction request; receiving, by the processor, a response to the first passively pushed message; transmitting, by the processor, a second passively pushed message to the application associated with the transaction account holder, in response to the response to the first passively pushed message meeting pre-established criteria; and receiving, by the processor, a second attempt of the transaction request, wherein the second attempt is authorized.
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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, cause the computer-based system to perform operations comprising:
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transmitting, by the computer based system, a first passively pushed message to an application associated with a transaction account holder, in response to a declined first attempt of a transaction request; receiving, by the computer based system, a response to the first passively pushed message; transmitting, by the computer based system, a second passively pushed message to the application associated with the transaction account holder, in response to the response to the first passively pushed message meeting pre-established criteria; and receiving, by the computer based system, a second attempt of the transaction request, wherein the second attempt is authorized.
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Specification