TRAVEL INFORMATION COMMUNICATION SYSTEM

• US 20150066774A1
• Filed: 11/07/2014
• Published: 03/05/2015
• Est. Priority Date: 06/21/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Malone, Kelli R., Brunswig, Tammy L., Overcash, Sarah, Tobias, Jason M., Curtis, Michael J.
• Application Number:
  US14/535,798
• Publication Number:
  US 20150066774A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the invention are directed to apparatus, methods, and computer program products for a travel flag communication system. In some embodiments, an apparatus is configured to: receive a first status associated with a user account; receive information from a user associated with the user account, wherein information comprises at least a start date of travel, an end date of travel, and at least one destination of travel; change status of the user account from the first status to a second status based on at least the start date of travel and the destination of travel; and revert status of the user account to the first status based on at least the end date of travel.

Claims

1. An apparatus for a travel information communication system, the apparatus comprising:

a memory;

a processor; and

a module stored in the memory, executable by the processor, and configured to;

receive a first status associated with a user account of a user, wherein the user account comprises a financial institution account;

receive information from a user associated with the user account, wherein an information comprises at least a start date of travel, an end date of travel, and at least one destination of travel, wherein the information is provided directly from the user to the user account;

change status of the user account from the first status to a second status based on at least the start date of travel and the destination of travel;

determine a transaction executed by the user at a location;

determine whether to place a hold on the transaction based on whether the location of the transaction is the destination of travel listed in the user account; and

revert status of the user account to the first status based on at least the end date of travel.

2. The apparatus of claim 1, wherein a transaction initiated in the destination of travel between the start date of travel and end date of travel does not trigger a notification.

3. The apparatus of claim 2, wherein the transaction is initiated using at least one of a debit card, a credit card, and a mobile device.

4. The apparatus of claim 2, wherein triggering a notification comprises placing a hold on a transaction.

5. The apparatus of claim 3, wherein triggering a notification comprises limiting access to at least one of the debit card, the credit card, and the mobile device.

6. The apparatus of claim 4, wherein releasing the hold placed on a transaction comprises a user authentication requirement.

7. The apparatus of claim 2, wherein the notification is not triggered for user transactions at specific merchant locations.

8. The apparatus of claim 2, wherein the notification is not triggered for user transactions in specific currencies.

9. The apparatus for claim 2, wherein the notification is not triggered for user transactions at specific destinations of travel.

10. The apparatus for claim 1, wherein the start date of travel, the end date of travel, and the destination of travel are modifiable.

11. The apparatus of claim 1, wherein the destination of travel is modifiable during a time period between the start date of travel and the end date of travel.

12. The apparatus of claim 1, wherein the end date of travel is modifiable during the time period between the start date of travel and end date of travel.

13. The apparatus of claim 1, wherein receiving information comprises initiating the presentation of a first user interface to the user enabling the user to select a first option, wherein the first option includes account details.

14. The apparatus of claim 13, wherein receiving information comprises initiating the presentation of a second user interface to the user enabling the user to select a second option, wherein the second option includes help and support.

15. The apparatus of claim 14, wherein receiving information comprises initiating the presentation of a third user interface to the user enabling the user to enter at least the start date of travel, the end date of travel, and at least one destination of travel.

16. The apparatus of claim 13, wherein the presentation of the user interface is initiated on a mobile device.

17. The apparatus of claim 13, wherein the presentation of the user interface is initiated on an online banking platform.

18. The apparatus of claim 1, wherein changing the status of the user account comprises sending a notification of acknowledgement to the user.

19. A method for a travel information communication system, the method comprising:

receiving a first status associated with a user account of a user, wherein the user account comprises a financial institution account;

receiving information from a user associated with the user account, wherein the information comprises at least a start date of travel, an end date of travel, and at least one destination of travel, wherein the information is provided directly from the user to the user account;

changing status of the user account from the first status to a second status based on at least the start date of travel and the destination of travel;

determining a transaction executed by the user at a location;

determining whether to place a hold on the transaction based on whether the location of the transaction is the destination of travel listed in the user account; and

reverting status of the user account to the first status based on at least the end date of travel.

20. A computer program product for a travel information communication system, the computer program product comprising a non-transitory computer-readable medium comprising code causing a computer to:

receive a first status associated with a user account of a user, wherein the user account comprises a financial institution account;

receive information from a user associated with the user account, wherein the information comprises at least a start date of travel, an end date of travel, and at least one destination of travel, wherein the information is provided directly from the user to the user account;

change status of the user account from the first status to a second status based on at least the start date of travel and the destination of travel;

determine a transaction executed by the user at a location;

determine whether to place a hold on the transaction based on whether the location of the transaction is the destination of travel listed in the user account; and

revert status of the user account to the first status based on at least the end date of travel.