# US 2014/0195434 A1 · System and method for providing advice to consumer regarding a payment transaction > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195434 A1 - Document ID: US20140195434A1 - Status: Published application - Kind: A1 - Application number: 14/203,382 - Filed: 2014-03-10 - Published: 2014-07-10 - Earliest claimed: 2009-04-28 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Mark Carlson; Shalini Mayor - Web page: https://patentgrep.com/patent/US20140195434A1 ## CPC - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 20/04: Payment circuits - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/425: {using two different networks, one for transaction and one for security confirmation} - G06Q 30/06: Buying, selling or leasing transactions - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G07F 7/10: together with a coded signal {, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data} - 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 - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) ## Abstract Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set when registering for the alert service. In response to the alert, the consumer may send an SMS or other message that requests “help”, “advice”, “need information”, etc. In some embodiments, the consumer may select or activate a user interface element that enables them to obtain advice or information regarding the transaction. In some embodiments, a consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction. ## Claims ### Claim at position 1 -20. (canceled) ### Claim 21 A communications device associated with a consumer, the communications device comprising: a processor; and a data storage device coupled to the processor, the data storage device comprising code, executable by the processor, for implementing a method of obtaining additional information regarding a payment transaction, the method comprising: receiving a transaction alert message associated with the payment transaction, the transaction alert message being generated by a server computer in response to the server computer receiving an authorization message for the payment transaction, the server computer processing the authorization message to determine if data contained in the authorization message satisfies a condition specified by the consumer participating in the payment transaction for generating the transaction alert message; receiving an input for additional information from the consumer participating in the payment transaction; sending a request for the additional information regarding the payment transaction to the server computer, the server computer processing the request from the consumer to determine the additional information regarding the payment transaction that can be provided to the consumer; receiving a response message comprising the additional information from the server computer, wherein the additional information is information that is not included in the authorization message or in the transaction alert message; and providing the additional information to the consumer. ### Claim 22 (depends on 21) The communications device of claim 21, wherein receiving the input for additional information from the consumer participating in the payment transaction further comprises receiving a search term entered into a data entry field that is included with the transaction alert message. ### Claim 23 (depends on 21) The communications device of claim 21, wherein receiving the input for additional information from the consumer participating in the payment transaction further comprises receiving an indication that the consumer has selected a selectable element that is included with the transaction alert message. ### Claim 24 (depends on 21) The communications device of claim 21, wherein the transaction alert message further comprises a menu or list of types or categories of information available regarding the payment transaction. ### Claim 25 (depends on 24) The communications device of claim 24, wherein the types or categories of information available include one or more of: information concerning a product or service that is the object of the payment transaction; information concerning a merchant or service provider that is a party to the payment transaction; or information concerning a manufacturer of the product or a supplier of the service that is the object of the payment transaction. ### Claim 26 (depends on 24) The communications device of claim 24, wherein receiving the input for additional information from the consumer participating in the payment transaction further comprises receiving a selection from the consumer of an item from the list or menu provided to the consumer. ### Claim 27 (depends on 26) The communications device of claim 26, wherein receiving the selection from the consumer of the item from the list or menu further comprises receiving a search term entered into a data entry field that is included with the list or menu. ### Claim 28 (depends on 21) The communications device of claim 21, wherein the additional information provided to the consumer includes a selectable element, which when selected retrieves data from a communications network. ### Claim 29 (depends on 21) The communications device of claim 21, wherein the additional information provided to the consumer includes a selectable element, which when selected places a phone call. ### Claim 30 (depends on 21) The communications device of claim 21, wherein the additional information provided to the consumer includes a selectable element, which when selected generates a message. ### Claim 31 (depends on 21) The communications device of claim 21, wherein the communications device is a mobile phone or personal digital assistant. ### Claim 32 A method of obtaining additional information regarding a payment transaction, the method comprising: receiving, by a communications device, a transaction alert message associated with the payment transaction, the transaction alert message being generated by a server computer in response to the server computer receiving an authorization message for the payment transaction, the server computer processing the authorization message to determine if data contained in the authorization message satisfies a condition specified by a consumer participating in the payment transaction for generating the transaction alert message; receiving, by the communications device, an input for additional information from the consumer participating in the payment transaction; generating, by the communications device, a request for the additional information; sending, by the communications device, the request for the additional information regarding the payment transaction to the server computer, the server computer processing the request from the consumer to determine the additional information regarding the payment transaction that can be provided to the consumer; receiving, by the communications device, a response message comprising the additional information from the server computer, wherein the additional information is information that is not included in the authorization message or in the transaction alert message; and providing, by the communications device, the additional information to the consumer. ### Claim 33 (depends on 32) The method of claim 32, wherein receiving the input for additional information from the consumer participating in the payment transaction further comprises receiving a search term entered into a data entry field that is included with the transaction alert message. ### Claim 34 (depends on 32) The method of claim 32, wherein receiving the input for additional information from the consumer participating in the payment transaction further comprises receiving an indication that the consumer has selected a selectable element that is included with the transaction alert message. ### Claim 35 (depends on 32) The method of claim 32, wherein the transaction alert message further comprises a menu or list of types or categories of information available regarding the payment transaction. ### Claim 36 (depends on 35) The method of claim 35, wherein the types or categories of information available include one or more of: information concerning the product or service that is the object of the payment transaction; information concerning a merchant or service provider that is a party to the payment transaction; or information concerning a manufacturer of the product or a supplier of the service that is the object of the transaction. ### Claim 37 (depends on 32) The method of claim 32, wherein the communications device is a mobile phone or personal digital assistant. ### Claim 38 A system for processing a payment transaction, the system comprising: a server computer communicatively coupled to a communications device, the server computer configured to: process the payment transaction by receiving an authorization message for the payment transaction; process the authorization message to determine if data contained in the message satisfies a condition specified by a consumer participating in the payment transaction for generating a transaction alert message regarding the payment transaction; generate the transaction alert message; send the transaction alert message to the communications device; receive a request for additional information regarding the payment transaction from the communications device; process the request to determine additional information regarding the payment transaction that can be provided to the consumer, wherein the additional information is information that is not included in the authorization message or in the transaction alert message; and provide the additional information to the communications device; and the communications device associated with the consumer, the communications device configured to: receive the transaction alert message associated with the payment transaction, receive an input for additional information from the consumer participating in the payment transaction; send a request for the additional information regarding the payment transaction to the server computer; receive a response message comprising the additional information from the server computer; and provide the additional information to the consumer. ### Claim 39 (depends on 38) The system of claim 38, wherein receiving a request from the consumer for additional information regarding the payment transaction further comprises receiving a search term entered into a data entry field that is included with the transaction alert message. ### Claim 40 (depends on 38) The system of claim 38, wherein receiving a request from the consumer for additional information regarding the payment transaction further comprises receiving an indication that the consumer has selected a selectable element that is included with the transaction alert message.