Real-Time Balance Updates

• US 20080163257A1
• Filed: 12/21/2007
• Published: 07/03/2008
• Est. Priority Date: 12/26/2006
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Faith, Patrick, Hammad, Ayman, Carlson, Mark
• Granted Patent: US 8,645,971 B2
• Time in Patent Office: Days
• US Class Current: 719/318
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 15/8033 location-dependent, e.g. business or home
• CPC Class Codes: H04M 15/83 Notification aspects
• CPC Class Codes: H04M 15/835 Time or frequency of notifications, e.g. Advice of Charge [AoC]
• CPC Class Codes: H04M 15/84 Types of notifications
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/851 Determined tariff
• CPC Class Codes: H04M 15/854 Available credit
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/7435 Location dependent, e.g. Bussiness or home
• CPC Class Codes: H04M 2215/81 Notifying aspects, e.g. notifications or displays to the user
• CPC Class Codes: H04M 2215/8104 Time or frequency of notification
• CPC Class Codes: H04M 2215/8129 Type of notification
• CPC Class Codes: H04M 2215/815 Notification when a specific condition, service or event is met
• CPC Class Codes: H04M 2215/8166 Available credit
• CPC Class Codes: H04W 4/24 : Accounting or billing

Abstract

A method and a system that receive retrieve dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.

Claims

1. A method comprising:

when a notification with dynamic data is triggered, retrieving the dynamic data associated with an account associated with a portable consumer device associated with a consumer; and

automatically sending the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.

2. A method of claim 1, wherein the dynamic data is a real-time balance update.

3. A method of claim 1, wherein the dynamic data is a real-time rewards information update.

4. A method of claim 1, further comprising:

retrieving enrollment information; and

confirming that consumer is enrolled to receive the notification based on the enrollment information.

5. A method of claim 1,

wherein the notification is triggered by a transaction being conducted using a portable consumer device associated with the consumer, and

wherein the dynamic data is based on an amount of the transaction being conducted.

6. A method of claim 1,

wherein the notification is triggered based on a time period predefined by the consumer,

wherein automatically sending the notification to the notification device includes periodically sending the notification to the notification device based on the predefined time period.

7. A method of claim 1, wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.

8. A method of claim 1, wherein the notification is triggered by a signal sent from a contactless transmitter on portable consumer device to a contactless receiver on the notification device.

9. A method of claim 1, wherein the notification with dynamic data is provided to consumer on a display.

10. A method of claim 1,

wherein the notification device is a phone, and

wherein the notification sent to the notification device includes at least one of a phone call, voicemail, SMS, IM, or email.

11. A method comprising:

triggering a notification with dynamic data using a notification device, the dynamic data associated with an account associated with a portable consumer device associated with a consumer; and

receiving the notification on the notification device.

12. A system comprising:

a payment processing network for generating and storing dynamic data; and

a notification server coupled to the payment processing network, the notification server configured to;

when a notification with dynamic data is triggered, retrieve the dynamic data from the payment processing network, the dynamic data associated with an account associated with a portable consumer device associated with a consumer;

automatically send the notification with the dynamic data to the notification device, wherein the notification with dynamic data is provided to consumer.

13. The system of claim 12, wherein the notification server is further configured to:

retrieve enrollment information; and

confirm that consumer is enrolled to receive the notification based on the enrollment information.

14. The system of claim 12,

wherein the notification is triggered by a transaction being conducted using a portable consumer device associated with the consumer, and

wherein the dynamic data is based on an amount of the transaction being conducted.

15. The system of claim 12,

wherein the notification is triggered based on a time period predefined by the consumer, and

wherein automatically sending the notification to the notification device includes periodically sending the notification to the notification device based on the predefined time period.

16. The system of claim 12, wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.

17. The system of claim 12, wherein the notification is triggered by a signal sent from a contactless transmitter on portable consumer device to a contactless receiver on the notification device.

18. A phone, comprising:

a processor;

a receiver coupled to the processor;

an output device coupled to the processor; and

a computer readable medium coupled to the processor, the computer readable medium includes code for displaying a notification including dynamic data to the output device after a portable consumer device is used by a consumer.

19. The phone of claim 18, wherein the dynamic data is a balance associated with the portable consumer device.

20. The phone of claim 18, wherein the portable consumer device is a prepaid card.