SKU level control and alerts

• US 10,552,842 B2
• Filed: 07/05/2019
• Issued: 02/04/2020
• Est. Priority Date: 04/28/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Stan, Patrick, Faith, Patrick, Hammad, Ayman, Rewis, Ben
• Primary Examiner(s): Liu, I Jung
• Application Number:
  US16/504,109
• Publication Number:
  US 20190325454A1
• Time in Patent Office: 214 Days
• 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 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• 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: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.

Claims

1. A method comprising:

receiving, by a server computer, from a first user of a payment account, a list of products to trigger notifications when purchased with the payment account;

storing, by the server computer, in a database, the list of products and corresponding product identifiers as product control data for the payment account;

receiving, by the server computer, an authorization request message from a merchant access device, the authorization request message including transaction data for a transaction conducted against the payment account, the transaction data including a plurality of product identifiers for a plurality of products, and the transaction data further including a payment account identifier associated with the payment account;

accessing, by the server computer, based on the payment account identifier, the product control data for the payment account, the product control data including the list of products and corresponding product identifiers in the database;

determining, by the server computer, that the plurality of product identifiers in the transaction data includes at least one matching product identifier that is also associated with the product control data;

accessing, by the server computer, the database to obtain payment account contact information associated with the payment account identifier, the payment account contact information including first contact information for a first user device;

generating, by the server computer, a product control alert message including a product control alert indicator for the at least one matching product identifier, the product control alert indicator including a product name, and the product control alert message further including other product names for other products in the plurality of products, wherein the product control alert indicator is highlighted in the product control alert message; and

sending, by the server computer, the product control alert message to the first user device,

wherein the product control alert indicator includes formatting provided by a template selected, by the server computer, from a plurality of templates, and

wherein the template is selected based on whether there is loyalty program information for the at least one matching product identifier.

2. The method of claim 1, wherein the first user device is associated with the first user.

3. The method of claim 2, further comprising:

accessing, by the server computer, the database to obtain second contact information for a second user device associated with a second user that is different from the first user, wherein the product control alert message further includes the second contact information, and wherein after sending the product control alert message to the first user device, the first user uses the first user device and the second contact information to contact the second user at the second user device.

4. The method of claim 1, wherein the first user device is associated with a second user that is different from the first user.

5. The method of claim 1, wherein the transaction is conducted against the payment account by a second user that is different from the first user.

6. The method of claim 1, wherein the product control data includes a list of product identifiers to trigger notifications when purchased with the payment account by a second user that is different from the first user.

7. The method of claim 1, wherein the product control data includes a list of prohibited product identifiers.

8. The method of claim 1, wherein the product control alert indicator is highlighted by bolding the product control alert indicator.

9. A system comprising:

a processor configured to implement steps

comprising;

receiving from a first user of a payment account, a list of products to trigger notifications when purchased with the payment account;

storing in a database, the list of products and corresponding product identifiers as product control data for the payment account;

receiving an authorization request message from a merchant access device, the authorization request message including transaction data for a transaction conducted against the payment account, the transaction data including a plurality of product identifiers for a plurality of products, and the transaction data further including a payment account identifier associated with the payment account;

accessing based on the payment account identifier, the product control data for the payment account, the product control data including the list of products and corresponding product identifiers in the database;

determining that the plurality of product identifiers in the transaction data includes at least one matching product identifier that is also associated with the product control data;

accessing the database to obtain payment account contact information associated with the payment account identifier, the payment account contact information including first contact information for a first user device;

generating a product control alert message including a product control alert indicator for the at least one matching product identifier, the product control alert indicator including a product name, and the product control alert message further including other product names for other products in the plurality of products, wherein the product control alert indicator is highlighted in the product control alert message; and

sending the product control alert message to the first user device,

wherein the product control alert indicator includes formatting provided by a template selected, by the system, from a plurality of templates, and

wherein the template is selected based on whether there is loyalty program information for the at least one matching product identifier.

10. The system of claim 9, wherein the first user device is associated with the first user.

11. The system of claim 10, wherein the steps further comprise:

accessing the database to obtain second contact information for a second user device associated with a second user that is different from the first user, wherein the product control alert message further includes the second contact information, and wherein after sending the product control alert message to the first user device, the first user uses the first user device and the second contact information to contact the second user at the second user device.

12. The system of claim 9, wherein the first user device is associated with a second user that is different from the first user.

13. The system of claim 9, wherein the transaction is conducted against the payment account by a second user that is different from the first user.

14. The system of claim 9, wherein the product control data includes a list of product identifiers to trigger notifications when purchased with the payment account by a second user that is different from the first user.

15. The system of claim 9, wherein the product control data includes a list of prohibited product identifiers.