# US 10,873,555 B2 · General purpose messaging > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,873,555 B2 - Document ID: US10873555B2 - Status: Granted - Kind: B2 - Application number: 15/783,378 - Filed: 2017-10-13 - Published: 2018-04-12 - Granted: 2020-12-22 - Earliest claimed: 2010-04-16 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Dinah Sloan; Erick Wong; Michael Middlemas; Christian Aabye - Web page: https://patentgrep.com/patent/US10873555B2 ## CPC - G06Q 30/00: Commerce - G06Q 10/107: Computer-aided management of electronic mailing [e-mailing] - H04L 51/08: Annexed information, e.g. attachments - H04L 51/214: using selective forwarding - H04L 51/226: Delivery according to priorities - H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46) - 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 - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request. ## Claims ### Claim 1 A method comprising: receiving, by a mobile device associated with a user, a wake up message from a server computer; responsive to receiving the wake up message, building a message request by embedding one or more data elements into the message request, the data elements corresponding to message parameters specified by the user, the message request configured to cause a messaging server computer to send the mobile device a first set of pending messages designated for the user and satisfying the message parameters, wherein building the message request comprises: obtaining, by the mobile device, the message parameters, converting, by the mobile device, the message parameters into the data elements, and embedding, by the mobile device, the data elements in the message request; sending the message request having the one or more data elements embedded therein to the server computer, wherein the message request having the data elements embedded therein enables the messaging server computer to identify and send back to the mobile device pending messages satisfying the message parameters, wherein the message request causes the server computer to: determine the message parameters corresponding to the one or more data elements, responsive to determining the message parameters, identify one or more pending messages that are eligible to be sent to the user, and send the identified one or more pending messages to the mobile device associated with the user, and retrieving, from the one or more pending messages sent by the server computer, a message identifier to be included in subsequent messages. ### Claim 2 (depends on 1) The method of claim 1, wherein the wake up message is sent to the mobile device upon the server computer determining that one or more messages is to be pushed to the user. ### Claim 3 (depends on 2) The method of claim 2, wherein the one or more messages are marked urgent and wherein the wake up message is configured to instruct the mobile device to build a message request that pulls urgent messages. ### Claim 4 (depends on 1) The method of claim 1, wherein the one or more data elements comprises an indication of a level of priority of the messages to be sent by the server computer. ### Claim 5 (depends on 4) The method of claim 4, wherein the level of priority of the messages to be sent comprises low priority level, regular priority level, or high priority level. ### Claim 6 (depends on 1) The method of claim 1, wherein the one or more data elements comprises instructions to send messages in a particular order. ### Claim 7 (depends on 6) The method of claim 6, wherein the instructions to send messages in a particular order comprises instructions to: send pending messages that are of a high priority level; if all pending messages that are of the high priority level have been sent and if a maximum number has not been reached, send pending messages that are of a regular priority level; and if all pending messages that are of the high priority level and regular priority level have been sent, and if the maximum number has not been reached, send pending messages that are of a low priority level. ### Claim 8 (depends on 1) The method of claim 1, wherein the one or more data elements comprises an indication of a maximum-count number which indicates a maximum number of messages to be sent to the mobile device by the server computer. ### Claim 9 A mobile device comprising: a processor; and a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising: receive a wake up message from a server computer; responsive to receiving the wake up message, build a message request by embedding one or more data elements into the message request, the data elements corresponding to message parameters specified by a user, the message request configured to cause a messaging server computer to send the mobile device a first set of pending messages designated for the user and satisfying the message parameters, wherein building the message request comprises: obtaining, by the mobile device, the message parameters, converting, by the mobile device, the message parameters into the data elements, and embedding, by the mobile device, the data elements in the message request; send the message request having the one or more data elements embedded therein to the server computer, wherein the message request having the data elements embedded therein enables the messaging server computer to identify and send back to the mobile device pending messages satisfying the message parameters; wherein the message request causes the server computer to: determine the message parameters corresponding to the one or more data elements, responsive to determining the message parameters, identify one or more pending messages that are eligible to be sent to the mobile device, and send the identified one or more pending messages to the mobile device; and retrieve, from the one or more pending messages sent by the server computer, a message identifier to be included in subsequent messages. ### Claim 10 (depends on 9) The mobile device of claim 9, wherein the code comprises a mobile application installed upon, and executed from, the mobile device. ### Claim 11 (depends on 9) The mobile device of claim 9, wherein the wake up message is an SMS or WAP message. ### Claim 12 (depends on 9) The mobile device of claim 9, wherein the wake up message includes an indication of an account, and wherein the identified one or more pending messages are associated with the account. ### Claim 13 (depends on 9) The mobile device of claim 9, wherein the one or more data elements comprises at least a message format version. ### Claim 14 A server computer comprising: a processor; and a non-transitory computer-readable storage medium, comprising code executable by the processor to cause the server computer to at least: determine that a number of pending messages have not been sent with respect to a mobile device associated with an account; generate a wake up message to be sent to the mobile device; send the wake up message to the mobile device to cause it to build a message request by embedding one or more data elements into the message request, the data elements corresponding to message parameters specified by a user, the message request configured to cause the server computer to send the mobile device a first set of pending messages designated for the user and satisfying the message parameters; upon receiving the message request from the mobile device, determine message parameters corresponding to the one or more data elements, responsive to determining the message parameters, identify one or more pending messages of the number of pending messages that are eligible to be sent to the mobile device, and send the identified one or more pending messages to the mobile device, the one or more pending messages including a message identifier; and associating one or more second message requests to the message request based on the one or more second message requests including the message identifier. ### Claim 15 (depends on 14) The server computer of claim 14, wherein determining the message parameters corresponding to the one or more data elements comprises: accessing a table of data elements and corresponding message parameters; and locating in the table of data elements, the message parameters corresponding to the data elements embedded in the message request. ### Claim 16 (depends on 14) The server computer of claim 14, wherein the one or more pending messages are concatenated into a data stream. ### Claim 17 (depends on 16) The server computer of claim 16, wherein the data stream comprises a number of data fields followed by the concatenated messages. ### Claim 18 (depends on 16) The server computer of claim 16, wherein the data stream includes a message identifier that corresponds to the wake up message. ### Claim 19 (depends on 14) The server computer of claim 14, wherein the one or more pending messages are sent to the mobile device in an order determined based upon a priority of each of the one or more pending messages. ### Claim 20 (depends on 14) The server computer of claim 14, wherein the one or more pending messages are sent to the mobile device until a maximum message number has been reached.