Secure Alert System and Method

• US 20110066505A1
• Filed: 12/02/2010
• Published: 03/17/2011
• Est. Priority Date: 08/28/2009
• Status: Abandoned Application

• Current Assignee: Ayman Hammad
• Original Assignee: Ayman Hammad
• Inventors: Hammad, Ayman
• Application Number:
  US12/958,582
• Publication Number:
  US 20110066505A1
• Time in Patent Office: Days
• US Class Current: 705/14.65
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06Q 10/109 Time management, e.g. calendars, reminders, meetings or time accounting
• 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 30/0255 based on user history
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

A method for receiving transaction data for a transaction, accessing a database comprising alert preference data, and generating a secure alert message using the transaction data and alert preference data using a notification server coupled to the database. The secure alert message comprises a dynamic identifier personal to the consumer. The method also includes sending the secure alert message to a consumer device.

Claims

1. A method comprising:

receiving transaction data for a transaction;

generating a secure alert message using the transaction data, wherein the secure alert message comprises a dynamic identifier, wherein the dynamic identifier is a transaction counter that increments each time a portable consumer device is used to conduct a transaction; and

sending the secure alert message to a notification device,

wherein the secure alert message further comprises a transaction identifier associated with the transaction,

wherein the secure alert message further comprises a security phrase or image, and

wherein the secure alert message further comprises a logo.

2. The method of claim 1, wherein the secure alert message further comprises an advertisement.

3. The method of claim 1, wherein the secure alert message further includes account information to identify the account involved in the transaction.

4. The method of claim 1, wherein the secure alert message further comprises alert text.

5. The method of claim 1, wherein the secure alert message further comprises sender information that identifies the identity of the sender of the secure alert message.

6. The method of claim 1, wherein the transaction data are obtained from an authorization request message or an authorization response message generated in response to the transaction.

7. A computer-readable medium coupled to a processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising:

receiving transaction data for a transaction;

generating a secure alert message using the transaction data, wherein the secure alert message comprises a dynamic identifier, wherein the dynamic identifier is a transaction counter that increments each time a portable consumer device is used to conduct a transaction; and

sending the secure alert message to a notification device,

wherein the secure alert message further comprises a transaction identifier associated with the transaction,

wherein the secure alert message further comprises a security phrase or image, and

wherein the secure alert message further comprises a logo.

8. The computer-readable medium of claim 7, wherein the secure alert message further comprises an advertisement.

9. The computer-readable medium of claim 7, wherein the secure alert message further includes account information to identify the account involved in the transaction.

10. The computer-readable medium of claim 7, wherein the secure alert message further comprises alert text.

11. The computer-readable medium of claim 7, wherein the secure alert message further comprises sender information that identifies the identity of the sender of the secure alert message.

12. The computer-readable medium of claim 7, wherein the transaction data are obtained from an authorization request message or an authorization response message generated in response to the transaction.

13. A notification server computer comprising:

a processor; and

a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising

receiving transaction data for a transaction;

generating a secure alert message using the transaction data, wherein the secure alert message comprises a dynamic identifier, wherein the dynamic identifier is a transaction counter that increments each time a portable consumer device is used to conduct a transaction; and

sending the secure alert message to a notification device,

wherein the secure alert message further comprises a transaction identifier associated with the transaction,

wherein the secure alert message further comprises a security phrase or image, and

wherein the secure alert message further comprises a logo.

14. The notification server computer of claim 13, wherein the secure alert message further comprises an advertisement.

15. The notification server computer of claim 13, wherein the secure alert message further includes account information to identify the account involved in the transaction.

16. The notification server computer of claim 13, wherein the secure alert message further comprises alert text.

17. The notification server computer of claim 13, wherein the secure alert message further comprises sender information that identifies the identity of the sender of the secure alert message.