WO2008083078A2 - Customized payment transaction notification - Google Patents

Customized payment transaction notification Download PDF

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Publication number
WO2008083078A2
WO2008083078A2 PCT/US2007/088563 US2007088563W WO2008083078A2 WO 2008083078 A2 WO2008083078 A2 WO 2008083078A2 US 2007088563 W US2007088563 W US 2007088563W WO 2008083078 A2 WO2008083078 A2 WO 2008083078A2
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
alert
transaction
communication mode
readable medium
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2007/088563
Other languages
English (en)
French (fr)
Other versions
WO2008083078A3 (en
Inventor
Mark Carlson
Patrick Stan
Patrick Faith
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa USA Inc
Visa International Service Association
Original Assignee
Visa USA Inc
Visa International Service Association
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa USA Inc, Visa International Service Association filed Critical Visa USA Inc
Priority to CA002673986A priority Critical patent/CA2673986A1/en
Priority to JP2009544219A priority patent/JP2010515166A/ja
Priority to AU2007339976A priority patent/AU2007339976B2/en
Priority to BRPI0720676-3A priority patent/BRPI0720676A2/pt
Publication of WO2008083078A2 publication Critical patent/WO2008083078A2/en
Publication of WO2008083078A3 publication Critical patent/WO2008083078A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/80—Rating or billing plans; Tariff determination aspects
    • H04M15/8033—Rating or billing plans; Tariff determination aspects location-dependent, e.g. business or home
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/835—Time or frequency of notifications, e.g. Advice of Charge [AoC]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/84—Types of notifications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H04M15/851—Determined tariff
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H04M15/854—Available credit
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/74—Rating aspects, e.g. rating parameters or tariff determination apects
    • H04M2215/7435—Location dependent, e.g. Bussiness or home
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/8104—Time or frequency of notification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/8129—Type of notification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/815—Notification when a specific condition, service or event is met
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/815—Notification when a specific condition, service or event is met
    • H04M2215/8166—Available credit

Definitions

  • a consumer may be notified by the issuer that issued his credit card when the issuer determines a potentially fraudulent activity has occurred in a purchase with the consumer's credit card.
  • the issuer may contact the consumer using the contact information it has on file for the consumer, which is typically a consumer's home phone and address. For example, the issuer may call the consumer at his home phone number or send a letter to his home address informing the consumer that potentially fraudulent or unauthorized activity is taking place. However, the consumer may not be at home or may not answer the phone and a letter may take a few days to arrive at the consumer's home. Further, the activity may occur in the early hours of the morning outside of the issuer's business hours and when the consumer does not want to receive a call.
  • Embodiments of the invention address these and other problems individually and collectively.
  • Embodiments of the invention are directed to improved consumer notification systems and methods.
  • One embodiment of the invention is directed to a method comprising receiving information that a transaction associated with a portable consumer device is occurring, and providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
  • Another embodiment of the invention is directed to a client computer comprising a processor, and a computer readable medium, wherein the computer readable medium comprises instructions for executing a method comprising receiving information on how to be notified if a predetermined activity is occurring with respect to a portable consumer device, wherein an alert is provided in manner consistent with the information provided if the predetermined activity is occurring wherein the information provided is a result of a consumer's choice to customize an alert for each predetermined activity by using an interface that allows a user to customize the alert according to at least communication mode and time, and sending the information to a notification server.
  • Another embodiment of the invention is directed to a method comprising providing information on how to be notified if a predetermined activity is occurring with respect to a portable consumer device, and receiving an alert in manner consistent with the information provided if the predetermined activity is occurring wherein the information provided is a result of the consumer's choice to customize an alert for each predetermined activity by communication mode and time.
  • Another embodiment of the invention is directed to a phone comprising a processor, and a computer readable medium coupled to the processor, wherein the computer readable medium comprises code for receiving an alert, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the consumer to specify the time and communication mode for receiving the alert.
  • FIG. 1 Other embodiments of the invention are directed to computer readable media comprising code for performing the above-described methods as well as systems, apparatuses and devices that perform the methods and/or that use the computer readable media.
  • FIG. 1(a) shows a block diagram of a payment processing system according to an embodiment of the invention.
  • FIG. 1(b) shows a block diagram of an exemplary portable consumer device.
  • FIG. 2 shows a block diagram of a system according to an embodiment of the invention.
  • FIG. 3 shows a flowchart illustrating steps in a method according to an embodiment of the invention.
  • FIG. 4 shows a Web page illustrating notification parameters chosen by a consumer.
  • FIG. 5 shows a block diagram of a computer apparatus.
  • Customized payment transaction notification systems and methods are described in further detail below. They can be used in the context of payment transactions using payment processing systems, which are configured to process credit and debit card transactions.
  • Embodiments of the invention are directed to the use of portable consumer devices, and methods and systems that use them.
  • the portable consumer devices can be used in payment processing systems like those shown in FIG. 1(a).
  • FIG. 1(a) shows a system 20 that can be used in an embodiment of the invention.
  • a system 20 For simplicity of illustration, one merchant, one issuer, one acquirer, one portable consumer device, and one consumer are shown. It is understood however, that embodiments of the invention may include multiple merchants, issuers, acquirers, portable consumer devices, and/or consumers. In addition, some embodiments of the invention may include fewer than all of the components shown in FIG.1(a). Also, the components in FIG. 1(a) may communicate via any suitable communication medium (including the Internet), using any suitable communication protocol.
  • the system 20 includes a merchant 22 and an acquirer 24 associated with the merchant 22.
  • a consumer 30 may purchase goods or services at the merchant 22 using a portable consumer device 32.
  • the acquirer 24 can communicate with an issuer 28 via a payment processing network 26.
  • the acquirer 24 is typically a bank that has a merchant account.
  • the issuer 28 may also be a bank, but could also be business entity such as a retail store. Some entities are both acquirers and issuers, and embodiments of the invention include such entities.
  • the issuer 28 may operate a server computer 21 , which may have a computer readable medium comprising code for performing the functions that the issuer 28 performs.
  • a database 23 comprising account number information and other information may be operatively coupled to the server computer 21.
  • the consumer 30 may be an individual, or an organization such as a business that is capable of purchasing goods or services.
  • the portable consumer device 32 may be in any suitable form.
  • suitable portable consumer devices can be hand-held and compact so that they can fit into a consumer's wallet and/or pocket (e.g., pocket-sized). They may include smart cards, ordinary credit or debit cards (with a magnetic strip and without a microprocessor), keychain devices (such as the SpeedpassTM commercially available from Exxon-Mobil Corp.), etc.
  • Other examples of portable consumer devices include cellular or mobile phones, personal digital assistants (PDAs), pagers, payment cards, security cards, access cards, smart media, transponders, and the like.
  • the portable consumer devices can also be debit devices (e.g., a debit card), credit devices (e.g., a credit card), or stored value devices (e.g., a stored value card).
  • the portable consumer device 32 may comprise a computer readable medium (CRM) 32(a) and a body 32(b).
  • the computer readable medium 32(a) may be on the body 32(b).
  • the body 32(b) may in the form a plastic substrate, housing, or other structure.
  • the computer readable medium 32(a) may be a memory that stores data and may be in any suitable form.
  • Exemplary computer readable media 32(a) may be in any suitable form including a magnetic stripe, a memory chip, etc. If the portable consumer device 32 is in the form of a card, it may have an embossed region 32(a) which is embossed with a PAN (primary account number).
  • the memory preferably stores information such as financial information, transit information (e.g., as in a subway or train pass), access information (e.g., as in access badges), etc.
  • Financial information may include information such as bank account information, bank identification number (BIN), credit or debit card number information, account balance information, expiration date, consumer information such as name, date of birth, etc. Any of this information may be transmitted by the portable consumer device 32'.
  • information in the memory may also be in the form of data tracks that are traditionally associated with credits cards.
  • Such tracks include Track 1 and Track 2.
  • Track 1 International Air Transport Association
  • Track 2 contains the cardholder's name as well as account number and other discretionary data. This track is sometimes used by the airlines when securing reservations with a credit card.
  • Track 2 (“American Banking Association”) is currently most commonly used. This is the track that is read by ATMs and credit card checkers.
  • the ABA American Banking Association designed the specifications of this track and all world banks must abide by it. It contains the cardholder's account, encrypted PIN, plus other discretionary data.
  • Contactless element 32(g) is capable of transferring and receiving data using a near field communications (“NFC") capability (or near field communications medium) typically in accordance with a standardized protocol or data transfer mechanism (e.g., ISO 14443/NFC).
  • NFC near field communications
  • Near field communications capability is a short- range communications capability, such as RFID, BluetoothTM, infra-red, or other data transfer capability that can be used to exchange data between the portable consumer device 32' and an interrogation device.
  • the portable consumer device 32' is capable of communicating and transferring data and/or control instructions via both cellular network and near field communications capability.
  • the payment processing network 26 may include data processing subsystems, networks, and operations used to support and deliver authorization services, exception file services, and clearing and settlement services.
  • An exemplary payment processing network may include VisaNetTM.
  • Payment processing networks such as VisaNetTM are able to process credit card transactions, debit card transactions, and other types of commercial transactions.
  • VisaNetTM in particular, includes a VIP system (Visa Integrated Payments system) which processes authorization requests and a Base Il system which performs clearing and settlement services.
  • the payment processing network 26 may include a server computer.
  • server computer or “server” is typically a powerful computer or cluster of computers.
  • the server computer can be a large mainframe, a minicomputer cluster, or a group of servers functioning as a unit.
  • the server computer may be a database server coupled to a Web server.
  • the payment processing network 26 may use any suitable wired or wireless network, including the Internet.
  • the merchant 22 may also have, or may receive communications from, an access device 34 that can interact with the portable consumer device 32.
  • the access device 34 is located at the merchant 22. However, it could be located at any other suitable location in other embodiments of the invention.
  • the access devices can be in any suitable form.
  • Examples of access devices include point of sale (POS) devices, cellular or mobile phones, PDAs, personal computers (PCs), tablet PCs, handheld specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), kiosks, security systems, access systems, and the like.
  • POS point of sale
  • PCs personal computers
  • PCs personal computers
  • ATMs automated teller machines
  • VCRs virtual cash registers
  • kiosks security systems, access systems, and the like.
  • any suitable point of sale terminal may include a reader 34(a), a processor 34(b) and a computer readable medium 34(c).
  • the reader 34(a) may include any suitable contact or contactless mode of operation.
  • exemplary card readers can include RF (radio frequency) antennas, magnetic stripe readers, etc. to interact with the portable consumer device 32.
  • the consumer 30 purchases a good or service at the merchant 22 using a portable consumer device 32 such as a credit card.
  • the consumer's portable consumer device 32 can interact with an access device 34 such as a POS (point of sale) terminal at the merchant 22.
  • an access device 34 such as a POS (point of sale) terminal at the merchant 22.
  • the consumer 30 may take a credit card and may swipe it through an appropriate slot in the POS terminal.
  • the POS terminal may be a contactless reader
  • the portable consumer device 32 may be a contactless device such as a contactless card.
  • An authorization request message is then forwarded to the acquirer 24.
  • the authorization request message After receiving the authorization request message, the authorization request message is then sent to the payment processing network 26.
  • the payment processing network 26 then forwards the authorization request message to the issuer 28 of the portable consumer device 32.
  • the issuer 28 After the issuer 28 receives the authorization request message, the issuer 28 sends an authorization response message back to the payment processing network 26 to indicate whether or not the current transaction is authorized. The payment processing network 26 then forwards the authorization response message back to the acquirer 24. The acquirer 24 then sends the response message back to the merchant 22.
  • the access device 34 at the merchant 22 may then provide the authorization response message for the consumer 30.
  • the response message may be displayed by the access device 34 or the portable consumer device 32, or may be printed out on a receipt.
  • a clearing process is a process of exchanging financial details between and acquirer and an issuer to facilitate posting to a consumer's account and reconciliation of the consumer's settlement position.
  • Some of the embodiments described below may use a payment processing system like the one described above, or any suitable combination of components in the payment processing system.
  • Embodiments of the invention are directed to customized alerts and notifications for portable consumer device transactions.
  • a consumer may customize the alert trigger (e.g., only notify the consumer if the transaction that is occurring is greater than $5000 in value), time of the alert (e.g., from 9 a.m. to 5 p.m.), communication mode (e.g., e-mail, telephone, SMS), and/or contact (e.g., wireless e-mail address, work e-mail address, spouse's cellular phone, home phone).
  • the consumer may use an interface such as a Web interface to indicate how and/or when the consumer is to be alerted when the consumer's portable consumer device or account number associated with the portable consumer device is used.
  • the consumer can specify whether he wants alerts set separately for each account number and/or portable consumer device that he has. He can also specify that any alerts that are provided by provided at the same time and under the same conditions across all accounts or portable consumer devices associated with the consumer.
  • the consumer can visit a Web site which allows the consumer to customize the way in which he is alerted when his credit card is being used. Using a Web interface such as a Web page, the consumer may indicate that he wants to be notified by phone if his credit card or credit card account number is being used between 10 p.m. and 6 a.m. to conduct a transaction of any amount, since he will most likely be at home and sleeping during this time.
  • the consumer may also specify that the consumer wants to be notified of any account or device activity via e-mail and a mobile phone during the hour of 6:00 a.m. and 10 p.m, only if the transaction amount if greater than $500.
  • a payment processing organization and/or issuer may then provide an alert to the consumer by calling the consumer on the consumer's home telephone.
  • the consumer may thereafter contact the payment processing organization and/or the issuer to take appropriate action. For example, the consumer may prevent the transaction from taking place by not authorizing the transaction.
  • the payment processing organization and/or the issuer of the credit card may notify the consumer by providing an alert to his e-mail device and his mobile phone.
  • FIG. 2 shows a block diagram of a system according to an embodiment of the invention.
  • FIG. 2 shows a consumer 205 who may use a portable consumer device 200 to conduct payment transactions, money transfers, access transactions, etc.
  • the consumer 205 may also use a notification device 290 such as a mobile phone to receive alerts, and may use a client computer 207 such as a personal computer to receive alerts and/or to enroll in an alert program.
  • the client computer 207 may be in operative communication with a Web enrollment server 215, which may in turn be in operative communication in an enrollment application server 220, a SQL database server 230, and a notification server 250.
  • An issuer 210 may be in communication with at least the enrollment application server 220, and the payment processing network 240 may be in communication with the notification server 250.
  • An aggregator 280 may be in communication with a gateway 260 and the notification device 290, as well as the notification server 250. Each of the components shown in FIG. 2 is described in further detail below. Methods of using the system shown in FIG. 2 are also described in detail below.
  • FIG. 2 For simplicity of illustration, one portable consumer device, one consumer, one issuer, one notification device, one client computer, one aggregator, etc. is shown. It is understood however, that embodiments of the invention may include multiple portable consumer devices, consumers, issuers, notification devices, client computers, aggregators, etc. In addition, some embodiments of the invention may include fewer than all of the components shown in FIG. 2. Also, the components in FIG. 2 may communicate via any suitable communication medium (including the Internet), using any suitable communication protocol.
  • the consumer 205 may operate a client computer 207.
  • the client computer 207 can be a desktop computer, a laptop computer, a cellular or mobile phone, a personal digital assistant (PDA), etc. It may operate using any suitable operating system including a WindowsTM based operating system.
  • the notification device 290 can be any suitable device that can receive alerts and can provide such alerts to the consumer 205.
  • Examples of notification devices include computers, cellular or mobile phones (e.g., as shown in FIG. 1(b)), wired telephones, personal digital assistants (PDAs), pagers, and the like.
  • the notification device 290 may be in any suitable form (e.g., suitable notification devices can be hand-held and compact so that they can fit into a consumer's wallet and/or pocket).
  • the notification device 290 and the portable consumer device 200 can be embodied by the same device.
  • a wireless phone may function as both a portable consumer device that can be used to pay for goods or services, and a notification device to notify the consumer if activity associated with the wireless phone, or an account number associated with the wireless phone, is being conducted.
  • the notification device is a phone, it may comprise a processor, and a computer readable medium coupled to the processor.
  • the computer readable medium comprises code for receiving an alert, wherein the alert indicates that the transaction is occurring, where the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the consumer to specify the time and communication mode for receiving the alert.
  • the issuer 210 may be a bank or other business entity such as a retail store.
  • the payment processing network 240 may include data processing subsystems, networks, and operations used to support and deliver authorization services, exception file services, and clearing and settlement services.
  • An exemplary payment processing network may include VisaNetTM.
  • the system in FIG. 2 may further include a gateway 260 whereby a phone call, text message or Short Message Service (“SMS”) message, for example, from the notification server 250, can pass through to the consumer via aggregator 280.
  • SMS Short Message Service
  • the gateway 260 may be embodied by a computer or a network that allows or controls access to another computer or network.
  • the gateway 260 may also be a software interface between the computer or network and another computer or network.
  • the consumer Before a consumer can receive alerts, the consumer can register with the alert system. Information can be received using an interface that allows the user to specify the time and communication mode for receiving an alert when a transaction is occurring with respect to a portable consumer device associated with the consumer. The information includes the communication mode or time in which the consumer wants to be notified.
  • the issuer 210 or payment processing organization may also enroll the consumer 205 automatically for alerts and notifications. For example, if the consumer 205 is automatically enrolled by the issuer 210 or provides enrollment information to an issuer 210 associated with the portable consumer device 200, then the issuer 210 may communicate with an enrollment application server 220 and may send the consumer's enrollment information to the enrollment application server 220.
  • a consumer 205 may also register to receive alerts via a website
  • FIG. 4 An exemplary Web interface is shown in FIG. 4.
  • a consumer having a portable consumer device 200 with an account number 12345678 may indicate, for each communication mode (which may include different types of electronic devices), the particular time or times that the user wants to be alerted.
  • FIG. 4 also shows thresholds (e.g., triggers) that will trigger the sending of an alert.
  • different triggers can be matched with different times, and different alert modes.
  • a consumer may want to be notified when any transaction is conducted between 10:01 pm and 6:59 am, since he will probably not be conducting transactions during this time. However, during other times, the consumer may only want to be alerted if transactions are over $100.
  • the enrollment application server 220 may then store the new or updated enrollment information in a SQL DB server 230.
  • the SQL DB server may be updated immediately after the enrollment application server 220 receives new or updated information, or periodically (e.g., every hour, at the end of the day, etc.).
  • alerts may be sent after other certain conditions are met.
  • the conditions associated with a particular purchase transaction may first be evaluated by a payment processing organization or issuer to determine if an alert is to be sent.
  • a payment processing organization or issuer may determine that the particular transaction being evaluated is a mail order-telephone order type of purchase (i.e., a MOTO transaction), is a risky transaction (e.g., because the transaction is being conducted by a merchant who has had risk issues in the past), and/or is over a certain dollar limit (e.g., over $30 in value).
  • a payment processing organization or issuer may determine that the particular transaction being evaluated is a mail order-telephone order type of purchase (i.e., a MOTO transaction), is a risky transaction (e.g., because the transaction is being conducted by a merchant who has had risk issues in the past), and/or is over a certain dollar limit (e.g., over $30 in value).
  • a certain dollar limit e.g., over $30 in value
  • FIG. 3 shows a flowchart including a general method according to an embodiment of the invention. The method can be described with reference to the block diagram in FIG. 2.
  • notification event triggers There are a number of examples of notification event triggers.
  • the consumer 205 may want to be alerted if the portable consumer device 200 is used to access a certain location. This can be characterized as an access transaction.
  • a portable consumer device 200 can be an access device to gain entrance to a building or other location.
  • An employee may enter a particular business after-hours or enter a secure area of that business.
  • the consumer 205 may want to receive an alert that the employee has used the portable consumer device 200 to enter the secure area. For example, if Joe Employee enters the secure server room after business hours, the consumer 205 may receive an SMS message on his mobile phone that says "Joe Employee has entered secure area A (the server room)."

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  • Game Theory and Decision Science (AREA)
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  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
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PCT/US2007/088563 2006-12-26 2007-12-21 Customized payment transaction notification Ceased WO2008083078A2 (en)

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CA002673986A CA2673986A1 (en) 2006-12-26 2007-12-21 Customized payment transaction notification
JP2009544219A JP2010515166A (ja) 2006-12-26 2007-12-21 カスタマイズされた支払取引通知
AU2007339976A AU2007339976B2 (en) 2006-12-26 2007-12-21 Customized payment transaction notification
BRPI0720676-3A BRPI0720676A2 (pt) 2006-12-26 2007-12-21 Método, meio legível por computador, computador servidor, e, computador cliente, e, telefone.

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US87189806P 2006-12-26 2006-12-26
US60/871,898 2006-12-26

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WO2008083078A3 WO2008083078A3 (en) 2008-08-21

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PCT/US2007/088563 Ceased WO2008083078A2 (en) 2006-12-26 2007-12-21 Customized payment transaction notification
PCT/US2007/088704 Ceased WO2008083119A1 (en) 2006-12-26 2007-12-21 Real-time balance updates
PCT/US2007/088615 Ceased WO2008083089A1 (en) 2006-12-26 2007-12-21 Coupon offers from multiple entities

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PCT/US2007/088704 Ceased WO2008083119A1 (en) 2006-12-26 2007-12-21 Real-time balance updates
PCT/US2007/088615 Ceased WO2008083089A1 (en) 2006-12-26 2007-12-21 Coupon offers from multiple entities

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EP (2) EP2104916A4 (enExample)
JP (3) JP2010515166A (enExample)
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CN (6) CN101595491A (enExample)
AU (3) AU2007339987B2 (enExample)
BR (2) BRPI0720659A2 (enExample)
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CN101647040A (zh) 2010-02-10
BRPI0720659A2 (pt) 2014-01-07
AU2007339987A1 (en) 2008-07-10
JP2010515169A (ja) 2010-05-06
JP2010515166A (ja) 2010-05-06
AU2007339976A1 (en) 2008-07-10
KR20090104069A (ko) 2009-10-05
US8645971B2 (en) 2014-02-04
EP2104915A1 (en) 2009-09-30
WO2008083078A3 (en) 2008-08-21
CN101657784A (zh) 2010-02-24
AU2007339930A1 (en) 2008-07-10
BRPI0720676A2 (pt) 2014-02-04
CN101595491A (zh) 2009-12-02
CA2674074A1 (en) 2008-07-10
AU2007339987B2 (en) 2012-05-24
EP2104916A1 (en) 2009-09-30
EP2104915A4 (en) 2012-01-18
WO2008083089A1 (en) 2008-07-10
US20080183480A1 (en) 2008-07-31
US20080163257A1 (en) 2008-07-03
CN101647038A (zh) 2010-02-10
AU2007339930B2 (en) 2012-05-24
AU2007339976B2 (en) 2012-05-31
KR20090096533A (ko) 2009-09-10
CA2674077A1 (en) 2008-07-10
CN101647039A (zh) 2010-02-10
CN101601064A (zh) 2009-12-09
WO2008083119A1 (en) 2008-07-10
CA2673986A1 (en) 2008-07-10
JP2010515168A (ja) 2010-05-06
EP2104916A4 (en) 2012-07-11
JP5303471B2 (ja) 2013-10-02

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