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US 2008/0167990 A1Published application
Purchasing alert methods and apparatus
AssigneeiXept, Inc.
InventorDavid S. Grant
Life of this patent
Estimating the term…
Abstract
Systems and techniques for receiving transaction information at an authentication system. The transaction information may be processed using different rule sets, based on the financial instrument used for the transaction (for example, a particular credit card, debit card, bank account, brokerage account, and the like). One or more alerts may be generated and communicated to the user. The alerts may be formatted based on user device configuration information, such as a cell phone type, email type, and the like.
Claims52
A method comprising:
- storing a plurality of different rule sets associated with a plurality of different financial instruments;
- receiving transaction information, wherein the transaction information is associated with one of the financial instruments and identifies a financial transaction using the financial instrument;
- processing the transaction information using one of the rule sets comprising one or more rules associated with the financial instrument;
- selectively generating an alert communication in response to the processing, wherein the alert communication identifies the financial transaction;
- and
- passing the alert communication to an entity over a network, wherein the alert communication is adapted to permit the entity to optionally reply directly to the alert communication.
3 more elements
A system comprising:
- memory adapted to store a plurality of different rule sets associated with a plurality of different financial instruments;
- and
- a transaction alert system adapted to:
- store a plurality of different rule sets associated with a plurality of different financial instruments,
- receive transaction information, wherein the transaction information is associated with one of the financial instruments and identifies a financial transaction using the financial instrument,
- process the transaction information using one of the rule sets comprising one or more rules associated with the financial instrument,
- selectively generate an alert communication in response to the processing, wherein the alert communication identifies the financial transaction, and
- pass the alert communication to an entity over a network, wherein the alert communication is adapted to permit the entity to optionally reply directly to the alert communication.
5 more elements
A method comprising:
- receiving an alert communication at a device, wherein:
- the alert communication identifies an financial transaction using a financial instrument and is adapted to permit an entity to optionally reply directly to the alert communication using the device;
- the alert communication is received in response to a rule-based process performed on transaction information associated with the financial transaction;
- and
- the rule-based process uses at least one of a plurality of different rule sets associated with a plurality of different financial instruments.
2 more elements
A device comprising:
- one or more processors configured to execute software instructions which, when executed by the one or more processors, cause the device to perform a method comprising:
- receiving an alert communication at the device, wherein:
- the alert communication identifies an financial transaction using a financial instrument and is adapted to permit an entity to optionally reply directly to the alert communication using the device;
- the alert communication is received in response to a rule-based process performed on transaction information associated with the financial transaction;
- and
- the rule-based process uses at least one of a plurality of different rule sets associated with a plurality of different financial instruments.
3 more elements
Dependencies are inferred from the claim text.