# US 2017/0286967 A1 · Wearable technology device-based behavioral analysis and heuristic feedback > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2017/0286967 A1 - Document ID: US20170286967A1 - Status: Published application - Kind: A1 - Application number: 15/090,713 - Filed: 2016-04-05 - Published: 2017-10-05 - Earliest claimed: 2016-04-05 - Assignees: International Business Machines Corporation - Applicants: International Business Machines Corporation - Inventors: Peter A. Balinski; Sasikanth Eda; John G. Musial; Sandeep R. Patil; Todd R. Whitman - Web page: https://patentgrep.com/patent/US20170286967A1 ## CPC - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/321: {using wearable devices} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/405: {Establishing or using transaction specific rules} - H04B 1/385: {Transceivers carried on the body, e.g. in helmets} - H04W 4/80: Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication - 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 - H04B: TRANSMISSION - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## Abstract An aspect of wearable technology device processes includes receiving, by a wireless receiver of a wearable technology device, a transaction authorization request and a transaction amount from a contactless transaction terminal. An aspect also includes comparing the transaction amount with a current balance associated with an account of an individual corresponding to the wearable technology device. Upon determining the transaction amount causes the current balance to fall below a limit specified by user-defined settings, an aspect includes retrieving a set of a plurality of tired confirmation prompts from a memory of the wearable technology device, and displaying, via an output component of the wearable technology device a first confirmation prompt from the set. The first confirmation prompt is displayed at a first time interval and before completion of the transaction. Each succeeding confirmation prompt provides increased emphasis in its content or presentation. ## Claims ### Claim 1 A method, comprising: receiving, by a computer processor via a wireless receiver of a wearable technology device, an authorization request and transaction amount for a transaction from a contactless transaction terminal; comparing the transaction amount with a current balance associated with an account of an individual corresponding to the wearable technology device; upon determining the transaction amount causes the current balance to fall below a limit specified by user-defined settings, retrieving a set of a plurality of tiered confirmation prompts from a memory of the wearable technology device; displaying, via an output component of the wearable technology device, a first confirmation prompt from the set, the first confirmation prompt displayed at a first time interval and before completion of the transaction; and upon determining at a second time interval that the transaction remains pending, displaying via the output component a second confirmation prompt from the set; wherein each succeeding confirmation prompt in the plurality of tiered confirmation prompts provides increased emphasis in its content or presentation. ### Claim 2 (depends on 1) The method of claim 1, wherein the limit is a first limit and the set of the plurality of tiered confirmation prompts is a first set, the method further comprising: upon determining the transaction amount causes the current balance to fall below a second limit in the user-defined settings, the second limit being lower than the first limit, retrieving a second set of the plurality of tiered confirmation prompts from the memory, the second set of the plurality of tiered confirmation prompts being greater in number than the first set, and each successive confirmation prompt in the second set of tiered confirmation prompts is displayed via the output component at increased frequency. ### Claim 3 (depends on 1) The method of claim 1, further comprising: receiving updates to the current balance from a registered data storage facility over a network. ### Claim 4 (depends on 1) The method of claim 1, further comprising: storing transaction data in the memory for previously conducted transactions, a portion of the previously conducted transactions executed via the wearable technology device and another portion of the previously conducted transactions executed outside of the wearable technology device, the transaction data for the other portion of the previously conducted transactions received at the wearable technology device through a network-based synching mechanism. ### Claim 5 (depends on 1) The method of claim 1, further comprising: wherein the user settings include a plurality of different spending limits that are defined for each of a plurality of purchase categories. ### Claim 6 (depends on 1) The method of claim 1, further comprising: monitoring ongoing transactions and responses to the confirmation prompts, the responses including completed transactions and aborted transactions; identifying trends and patterns of transaction activities by the individual over time based on the monitoring; and automatically adjusting at least one of a timing, frequency, and content of the confirmation prompts based on the identified trends and patterns. ### Claim 7 (depends on 1) The method of claim 1, wherein the wearable device is at least one of a fitness tracker, activity tracker, health monitor, smart watch, and e-textile. ### Claim 8 A wearable technology device comprising an article and a means for removably attaching the article to an individual, the wearable technology device comprising: a wireless network adapter; an output component; a memory having computer readable instructions, the memory storing user-defined settings and a plurality of tiered confirmation prompts, wherein each succeeding confirmation prompt in the tiered confirmation prompts provides increased emphasis in its content or presentation; and a processor for executing the computer readable instructions, the computer readable instructions including: receiving, via the wireless network adapter of the wearable device, an authorization request and transaction amount for a transaction from a contactless transaction terminal; comparing the transaction amount with a current balance associated with an account of the individual; upon determining the transaction amount causes the current balance to fall below a limit in the user-defined settings, retrieving a set of the plurality of tiered confirmation prompts from the memory; displaying via the output component a first confirmation prompt from the set, the first confirmation prompt displayed at a first time interval and before completion of the transaction; and upon determining at a second time interval that the transaction remains pending, displaying via the output component a second confirmation prompt from the set. ### Claim 9 (depends on 8) The wearable technology device of claim 8, wherein the limit is a first limit and the set of the plurality of tiered confirmation prompts is a first set, the computer readable instructions further comprise: upon determining the transaction amount causes the current balance to fall below a second limit in the user-defined settings, the second limit being lower than the first limit, retrieving a second set of the plurality of tiered confirmation prompts from the memory, the second set of the plurality of tiered confirmation prompts being greater in number than the first set, and each successive confirmation prompt in the second set of tiered confirmation prompts is displayed via the output component at increased frequency. ### Claim 10 (depends on 8) The wearable technology device of claim 8, wherein the computer readable instructions further comprise: receiving the current balance from a registered data storage facility over a network. ### Claim 11 (depends on 8) The wearable technology device of claim 8, further comprising an input component, wherein the computer readable instructions further comprise: receiving the user settings via the input component of the wearable device. ### Claim 12 (depends on 8) The wearable technology device of claim 8, wherein the user settings include a plurality of different spending limits that are defined for each of a plurality of purchase categories. ### Claim 13 (depends on 8) The wearable technology device of claim 8, wherein the computer readable instructions further include: monitoring ongoing transactions and responses to the confirmation prompts, the responses including completed transactions and aborted transactions; identifying trends and patterns of transaction activities by the individual over time based on the monitoring; and automatically adjusting at least one of a timing, frequency, and content of the confirmation prompts based on the identified trends and patterns. ### Claim 14 (depends on 8) The wearable technology device of claim 8, wherein the article is at least one of a fitness tracker, activity tracker, health monitor, smart watch, and e-textile. ### Claim 15 A computer program product comprising a computer readable storage medium having program instructions embodied therewith, wherein the computer readable storage medium is not a transitory signal per se, the program instructions executable by a computer processor of a wearable technology device to cause the computer processor to perform a method comprising: receiving, by a computer processor via a wireless receiver of a wearable technology device, an authorization request and transaction amount for a transaction from a contactless transaction terminal; comparing the transaction amount with a current balance associated with an account of an individual corresponding to the wearable technology device; upon determining the transaction amount causes the current balance to fall below a limit specified by user-defined settings, retrieving a set of a plurality of tiered confirmation prompts from a memory of the wearable technology device; displaying, via an output component of the wearable technology device, a first confirmation prompt from the set, the first confirmation prompt displayed at a first time interval and before completion of the transaction; and upon determining at a second time interval that the transaction remains pending, displaying via the output component a second confirmation prompt from the set; wherein each succeeding confirmation prompt in plurality of tiered confirmation prompts provides increased emphasis in its content or presentation. ### Claim 16 (depends on 15) The computer program product of claim 15, wherein the limit is a first limit and the set of the plurality of tiered confirmation prompts is a first set, the method further comprising: upon determining the transaction amount causes the current balance to fall below a second limit in the user-defined settings, the second limit being lower than the first limit, retrieving a second set of the plurality of tiered confirmation prompts from the memory, the second set of the plurality of tiered confirmation prompts being greater in number than the first set, and each successive confirmation prompt in the second set of tiered confirmation prompts is displayed via the output component at increased frequency. ### Claim 17 (depends on 15) The computer program product of claim 15, wherein the program instructions are further executable to perform: receiving the current balance from a registered data storage facility over a network. ### Claim 18 (depends on 15) The computer program product of claim 15, wherein the program instructions are further executable to perform: storing transaction data in the memory for previously conducted transactions, a portion of the previously conducted transactions executed via the wearable technology device and another portion of the previously conducted transactions executed outside of the wearable technology device, the transaction data for the other portion of the previously conducted transactions received at the wearable technology device through a network-based synching mechanism. ### Claim 19 (depends on 15) The computer program product of claim 15, wherein the user settings include a plurality of different spending limits that are defined for each of a plurality of purchase categories. ### Claim 20 (depends on 15) The computer program product of claim 15, monitoring ongoing transactions and responses to the confirmation prompts, the responses including completed transactions and aborted transactions; identifying trends and patterns of transaction activities by the individual over time based on the monitoring; and automatically adjusting at least one of a timing, frequency, and content of the confirmation prompts based on the identified trends and patterns.