MULTI ALERTS BASED SYSTEM
First Claim
1. A method for detecting triggering events for initiating user account alert messages using a notification server, the method comprising:
- observing a user account event at the notification server;
identifying a user account associated with the user account event using the notification server;
comparing the observed user account event with a plurality of prior user account events associated with the identified user account using the notification server; and
determining if the user account event is a triggering event based on the comparison of the observed user account event and the plurality of prior user account events.
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Accused Products
Abstract
Systems and methods for defining, observing and detecting triggering user account events that initiate a user account alert message to be sent to one or more users are disclosed. Location and merchant, transaction result, device and, usage history/trend types of user account alerts and trigger criteria can be defined or selected by users, issuers were notification alert engines. Alternatively, user account alerts and trigger criteria can be defined by analyzing previously observed user account events, such as credit card transactions, to determine user profiles and user account usage trends, i.e. credit card spending patterns, as baselines for comparing newly observed user account events. If information associated with the newly observed user account events match any of the trigger criteria or are inconsistent with the determined user profile or user account usage trends, then user account alerts can be sent to one or more users.
250 Citations
38 Claims
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1. A method for detecting triggering events for initiating user account alert messages using a notification server, the method comprising:
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observing a user account event at the notification server; identifying a user account associated with the user account event using the notification server; comparing the observed user account event with a plurality of prior user account events associated with the identified user account using the notification server; and determining if the user account event is a triggering event based on the comparison of the observed user account event and the plurality of prior user account events. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 36)
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15. A method for detecting triggering events for initiating user account alert messages using a notification server, the method comprising:
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observing a user account event at the notification server; identifying a user account associated with the user account event using the notification server; comparing the observed user account event with a plurality of predefined triggering user account events associated with the identified user account or a user account issuer using the notification server; and determining if the user account event is a triggering event based on the comparison of the observed user account events and the plurality of predefined triggering user account events using the notification server, wherein the plurality of predefined triggering user account events comprises at least one selected from the group consisting of; a triggering event based on a difference in time and location between the observed user account event and a previously observed user account event; a safety zone alert triggering event, an item identifier alert triggering event, a declined user account alert triggering event; a privacy alert triggering event; a new device alert triggering event; and an unlikely merchant alert triggering event. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35)
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37. A method comprising:
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sending by an access device an authorization request message to an issuer via a payment processing network comprising a server computer, wherein the server computer (i) observes a user account event at the notification server after receiving the authorization request message, (ii) identifies a user account associated with the user account event using the notification server, (iii) compares the observed user account event with a plurality of prior user account events associated with the identified user account using the notification server;
(iv) and determines if the user account event is a triggering event based on the comparison of the observed user account event and the plurality of prior user account events; andreceiving an authorization request message from the payment processing network.
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38. A method comprising:
sending by an access device an authorization request message to an issuer via a payment processing network comprising a server computer, wherein the server computer (i) observes a user account event at the notification server;
(ii) identifies a user account associated with the user account event using the notification server, (iii) compares the observed user account event with a plurality of predefined triggering user account events associated with the identified user account or a user account issuer using the notification server, and (iv) determines if the user account event is a triggering event based on the comparison of the observed user account events and the plurality of predefined triggering user account events using the notification server, wherein the plurality of predefined triggering user account events comprises at least one selected from the group consisting of a triggering event based on a difference in time and location between the observed user account event and a previously observed user account event, a safety zone alert triggering event, or an item identifier alert triggering event, a declined user account alert triggering event, a privacy alert triggering event, a new device alert triggering event, and an unlikely merchant alert triggering event; and
receiving an authorization request message from the payment processing network.
Specification