ALERT ARCHITECTURE

• US 20100274572A1
• Filed: 03/09/2010
• Published: 10/28/2010
• 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: Hammad, Ayman, Carlson, Mark
• Granted Patent: US 9,542,675 B2
• Time in Patent Office: Days
• US Class Current: 705/1.100
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40155 for triggering transactions
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: G08B 25/004 Alarm propagated along alternative communication path or using alternative communication medium according to a hierarchy of available ways to communicate, e.g. if Wi-Fi not available use GSM
• CPC Class Codes: G08B 5/229 with other provisions not elsewhere provided for
• CPC Class Codes: H04L 12/1895 for short real-time information, e.g. alarms, notifications, alerts, updates
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/55 Push-based network services

Abstract

Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.

Claims

1. A system comprising:

a payment processing server;

a first database comprising a group of account identifiers coupled to the payment processing server computer;

a second database comprising at least the group of account identifiers, wherein the second database is operatively coupled to the first database; and

a notification server computer operatively coupled to the second database.

2. The system of claim 1, further comprising:

delivery channel logic operationally coupled to the notification server computer and configured to receive alert messages from the notification server computer and deliver the alert messages to a user device.

3. The system of claim 1, further comprising:

an enrollment server computer coupled to the second database and configured to enroll one or more users in an alert service by providing an electronic enrollment form to one or more users.

4. The system of claim 1, wherein the payment processing server computer and the first database are part of a payment processing network.

5. The system of claim 4, wherein the second database and the notification server computer are used to generate one or more alert messages from transaction data received from the payment processing server computer.

6. The system of claim 5, wherein the payment processing server computer comprises a processor, and a computer readable medium coupled to the processor, wherein the computer readable medium comprises code for causing the processor to implement a method comprising sending the transaction data to the notification server computer for a transaction associated with an account identifier in the group of account identifiers in the first database.

7. The system of claim 1, wherein the account identifiers are associated with a plurality of accounts of a plurality of portable consumer devices used to perform payment transactions.

8. The system of claim 1, wherein the group of account identifiers in the first database are synchronized with the group of account identifiers in the second database.

9. The system of claim 1, wherein the notification server computer comprises a processor, and a computer readable medium coupled to the processor, wherein the computer readable medium comprises code for causing the processor to implement a method comprising generating an alert message tailored for a user associated with a portable consumer device, which is associated with an account identifier in the group of account identifiers in the first database, when the user uses the portable consumer device to perform a payment transaction.

10. The system of claim 1, wherein the group of account identifiers are associated with one or more accounts enrolled in an alert messaging service.

11. A method comprising:

receiving transaction data comprising an account identifier;

determining if the account identifier is present in a first database comprising a group of account identifiers;

if the account identifier is in the first database, then sending the transaction data to a notification server computer, which is in communication with a second database comprising at least the group of account identifiers, wherein the notification server computer thereafter sends an alert message to a user device; and

if the account identifier is not in the first database, then sending an authorization response message to a merchant without sending the transaction data to the notification server computer.

12. The method of claim 11, wherein the account identifier is a first account identifier and wherein the method further comprises providing a second account identifier to the second database, but not the first database.

13. The method of claim 12, wherein the second account identifier is loaded into the first database using a synchronization link.

14. The method of claim 12, wherein the second account identifier is associated with an account enrolled in an alert messaging service.

15. The method of claim 11, wherein the notification server computer accesses the second database and retrieves alert customization data associated with the account identifier for generation of one or more alert messages.

16. The method of claim 11, wherein sending the alert message occurs in parallel with transmission of an authorization response message from a payment processing network to a merchant device.

17. The method of claim 11, wherein the transaction data is present in an authorization request message from an acquirer.

18. The method of claim 11, wherein the transaction data is present in an authorization response message from an issuer.

19. A method comprising:

using a portable consumer device, performing an electronic transaction; and

receiving an alert message associated with a transaction at a user device, wherein the alert massage is generated from a notification server computer coupled to a payment processing server computer, and wherein the notification server computer receives transaction data from the payment processing server computer and generates the alert message based on customization data stored in a database coupled to the notification server computer.

20. The method of claim 19, further comprising:

using an electronic enrollment form provided by an enrollment server computer coupled to the database, customizing a format and a method of delivery of the alert message.