Two-Way Push Notification of Activity Events Through a Wireless Device

One or more non-transitory computer-readable media storing computer-readable instructions that, when executed by a wireless device, cause the wireless device to:

• when an application status is indicative that a user has opt-in for a mobile application, receive, through a communication interface by the wireless device from a transaction computing system, a two-way push notification message about a detected unusual activity event while outside the mobile application;
• display, by the wireless device, displayed notification information about the detected unusual activity event;
• in response to the displaying, obtain, by an operating system of the wireless device, an activity indicator about the detected unusual activity event;
• send a forward response from the operating system of the wireless device to the mobile application, wherein the forward response is indicative of the activity indicator;
• send a notification response message, by the wireless device via the mobile application bypassing the operating system, to the transaction computing system, the notification response message indicative of the activity indicator;
• in response to the sending, when the activity indicator is indicative that the detected unusual activity event is valid, receive by the operating system of the wireless device, a notification message that the user can proceed with an associated activity;
• and
• in response to the sending, when the activity indicator is indicative that the detected unusual activity event is invalid, receive by the mobile application bypassing the operating system, further interaction with the user for a resolution of the detected unusual activity event.

A transaction computing system comprising:

• an alert management computing system configured to obtain transactional data about a user, wherein the transactional data comprises a first transactional datum and a second transaction datum associated with a first transaction and a second transaction, respectively, configured to correlate the first transactional datum and the second transactional datum with respect to times and locations of the first transaction and the second transaction, and configured to detect, in response to the correlating, a detected suspicious activity event attributed to the user from the transactional data, wherein the detected suspicious activity event includes at least one transaction attributed to the user and configured to generate a notification request when the detected suspicious activity event occurs;
• a communication rules engine configured to determine, from a plurality of modes of communication based on user information, a preferred mode of communication corresponding to an appropriate wireless messaging service to be utilized when the notification request is received from the alert management computing system and configured to initiate a transmission request of a first two-way push notification message to a first wireless device of the user when the user has opt-in for a mobile application, wherein the user information includes a first indication indicative whether the user has opt-in for the mobile application, an identification of the first wireless device, a device type of the first wireless device, and a second indication indicative of a preferred mode of notification;
• a notification engine configured to generate the first two-way push notification message to the first wireless device when the preferred mode of communication is indicative of push notification messaging, wherein the first two-way push notification message is indicative of the detected suspicious activity event and causes the first wireless device to display notification information about the detected suspicious activity event when outside the mobile application at the first wireless device;
• and
• the communication rules engine configured to receive a notification response from the first wireless device of the user, wherein the notification response is indicative whether the detected suspicious activity event is valid.

One or more non-transitory computer-readable media storing computer-readable instructions that, when executed by a transaction computing system, cause the transaction computing system to:

• obtain transactional data about a user, wherein the transactional data comprises a first datum and a second datum associated with a first transaction and a second transaction, respectively;
• correlate the first datum and the second datum with respect to times and locations of the first transaction and the second transaction;
• in response to the correlating, detect a detected suspicious activity event attributed to the user from the transactional data, wherein the detected suspicious activity event includes at least one transaction attributed to the user;
• determine a preferred mode of communication from a plurality of modes of communication based on user information, wherein the user information includes a first indication indicative whether the user has opt-in for a mobile application, an identification of a wireless device, a device type of the wireless device, and a second indication indicative of a preferred mode of notification;
• generate a notification request via the preferred mode of communication corresponding to an appropriate wireless messaging service when the detected suspicious activity event occurs;
• retrieve user information about the user, wherein the user information is indicative whether the user has opt-in for the mobile application;
• when the preferred mode of communication is indicative push notification messaging, initiate a transmission request of a two-way push notification message to the wireless device of the user when the user has opt-in for the mobile application;
• generate the two-way push notification message to the wireless device, wherein the two-way push notification message is indicative of the detected suspicious activity event and causes the wireless device to display notification information about the detected suspicious activity event while outside the mobile application at the wireless device;
• and
• receive a notification response from the wireless device of the user, wherein the notification response is indicative whether the detected suspicious activity event is valid.