# US 2018/0322487 A1 · Contactless transaction > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2018/0322487 A1 - Document ID: US20180322487A1 - Status: Published application - Kind: A1 - Application number: 16/037,640 - Filed: 2018-07-17 - Published: 2018-11-08 - Earliest claimed: 2007-01-09 - Inventors: Gavin Shenker; Dave Wentker; Douglas Deibert; Erick Wong - Web page: https://patentgrep.com/patent/US20180322487A1 ## CPC - G06Q 20/3227: {using secure elements embedded in M-devices} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3221: {Access to banking information through M-devices} - G06Q 20/3229: {Use of the SIM of a M-device as secure element} - G06Q 20/3267: {In-app payments} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 30/0224: {based on user history} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - H04L 12/66: Arrangements for connecting between networks having differing types of switching systems, e.g. gateways - H04M 15/83: {Notification aspects} - H04M 15/8355: {after the end of the communication} - H04M 15/84: {Types of notifications} - H04M 15/844: {Message, e.g. SMS} - H04M 15/85: {characterised by the type of condition triggering a notification} - H04M 15/852: {Low balance or limit reached} - H04M 15/854: {Available credit} - H04M 15/881: {for continuing the call beyond the limit using allow grace} - H04M 15/93: {using near field or similar technologies} - H04W 4/24: Accounting or billing - H04W 4/80: Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication - H04W 88/02: Terminal devices - 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) - H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## Abstract A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone includes a contactless element that is configured to communicate with a contactless reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobile phone. The mobile phone is operated by a consumer. The method also includes sending a transaction alert message to the mobile phone, where the transaction alert message informs the consumer that a transaction has occurred using the account. The method also includes sending an offer message to the mobile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction. ## Claims ### Claim at position 1 1-19. (canceled) ### Claim 20 A method comprising: receiving, by a mobile device with respect to an account associated with the mobile device, a balance alert threshold from a user; transmitting, by the mobile device to a computer, a balance alert configuration request including the balance alert threshold; receiving, by the mobile device from the computer, a balance alert message indicating that an account balance associated with the account has fallen below the balance alert threshold, wherein the balance alert message provides an account balance for the account associated with the mobile device; receiving, by the mobile device with respect to the account associated with the mobile device, a transaction alert threshold from the user; transmitting, by the mobile device to the computer, a transaction alert configuration request including the transaction alert threshold; receiving, by the mobile device from the computer, a transaction alert message indicating that a transaction conducted with respect to the account has exceeded the transaction alert threshold, wherein the transaction alert message indicates that the conducted transaction has occurred using the account; receiving, by the mobile device from the user with respect to the account associated with the mobile device, a request to receive offers; transmitting, by the mobile device to the computer, an offer registration request; and receiving, by the mobile device from the computer, an offer message indicating a benefit that will be provided to the account if the mobile device is used to conduct a predetermined transaction, the offer message displayed on a display of the mobile device prior to initiation of a new transaction via the mobile device. ### Claim 21 (depends on 20) The method of claim 20, further comprising: receiving, by the mobile device with respect to the account associated with the mobile device, a request for a payment reminder from the user; transmitting, by the mobile device to the computer, a payment reminder configuration request including the requested payment reminder; receiving, by the mobile device from the computer, the payment reminder indicating that a payment associated with the account is due. ### Claim 22 (depends on 21) The method of claim 21, wherein the request for a payment reminder includes an amount of time, and wherein the payment reminder is received the amount of time prior to the payment associated with the account being due. ### Claim 23 (depends on 20) The method of claim 20, further comprising receiving a risk alert message, wherein the risk alert message indicates suspicious activity relating to the account and that the account is blocked. ### Claim 24 (depends on 20) The method of claim 20, wherein the account is associated with the mobile device via a phone number of the mobile device. ### Claim 25 (depends on 20) The method of claim 20, wherein associating the account with the phone number of the mobile device further includes registering a consumer payment account number with a mobile operator, wherein the mobile operator links the consumer payment account number to the mobile device number. ### Claim 26 (depends on 20) The method of claim 20, wherein the offer message is generated by an offer engine configured to allow a merchant or issuer to define an offer including the benefit that will be provided to the account. ### Claim 27 (depends on 20) The method of claim 20, wherein the account balance alert message is received via a Short Message Service (SMS) text message. ### Claim 28 (depends on 20) The method of claim 20, wherein the transaction alert message is received via a Short Message Service (SMS) text message. ### Claim 29 (depends on 20) The method of claim 20, wherein the method is performed by a mobile application installed upon the mobile device. ### Claim 30 A mobile device, comprising: a contactless element; a processor; and a memory including instructions that, when executed with the processor, cause the mobile device to, at least: receive, with respect to an account associated with the mobile device, a balance alert threshold from a user; transmit, to a computer, a balance alert configuration request including the balance alert threshold; receive, from the computer, a balance alert message indicating that an account balance associated with the account has fallen below the balance alert threshold, wherein the balance alert message provides an account balance for the account associated with the mobile device; receive, with respect to the account associated with the mobile device, a transaction alert threshold from the user; transmit, to the computer, a transaction alert configuration request including the transaction alert threshold; receive, from the computer, a transaction alert message indicating that a transaction conducted with respect to the account has exceeded the transaction alert threshold, wherein the transaction alert message indicates that the conducted transaction has occurred using the account; receive, from the user with respect to the account associated with the mobile device, a request to receive offers; transmit, to the computer, an offer registration request; and receive, from the computer, an offer message indicating a benefit that will be provided to the account if the mobile device is used to conduct a predetermined transaction, the offer message displayed on a display of the mobile device prior to initiation of a new transaction via the mobile device. ### Claim 31 (depends on 30) The mobile device of claim 30, wherein the instructions further cause the mobile device to: receive, with respect to the account associated with the mobile device, a request for a payment reminder from the user; transmit, to the computer, a payment reminder configuration request including the requested payment reminder; receive, from the computer, the payment reminder indicating that a payment associated with the account is due. ### Claim 32 (depends on 30) The mobile device of claim 30, wherein the request for a payment reminder includes an amount of time, and wherein the payment reminder is received the amount of time prior to the payment associated with the account being due. ### Claim 33 (depends on 30) The mobile device of claim 30, wherein the instructions further cause the mobile device to receive a risk alert message, wherein the risk alert message indicates suspicious activity relating to the account and that the account is blocked. ### Claim 34 (depends on 30) The mobile device of claim 30, wherein the account is associated with the mobile device via a phone number of the mobile device. ### Claim 35 (depends on 34) The mobile device of claim 34, wherein associating the account with the phone number of the mobile device further includes registering a consumer payment account number with a mobile operator, wherein the mobile operator links the consumer payment account number to the mobile device number. ### Claim 36 (depends on 30) The mobile device of claim 30, wherein the offer message is generated by an offer engine configured to allow a merchant or issuer to define an offer including the benefit that will be provided to the account. ### Claim 37 (depends on 30) The mobile device of claim 30, wherein the account balance alert message is received via a Short Message Service (SMS) text message. ### Claim 38 (depends on 30) The mobile device of claim 30, wherein the transaction alert message is received via a Short Message Service (SMS) text message. ### Claim 39 (depends on 30) The mobile device of claim 30, wherein the method is performed by a mobile application installed upon the mobile device.