# US 2021/0344768 A1 · Two-Way Push Notification of Activity Events Through a Wireless Device

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- Number: US 2021/0344768 A1
- Document ID: US20210344768A1
- Status: Published application
- Kind: A1
- Application number: 17/378,239
- Filed: 2021-07-16
- Published: 2021-11-04
- Earliest claimed: 2019-04-18
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: David Joseph Walsh; Elliot Piatetsky; Andrew Scott Humm; Dana Michele Meadows; Amy Heather DeLeon
- Web page: https://patentgrep.com/patent/US20210344768A1

## CPC

- H04L 12/1859: {adapted to provide push services, e.g. data channels}
- H04L 67/55: Push-based network services
- G06Q 20/401: {Transaction verification}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- H04L 51/046: Interoperability with other network applications or services
- H04L 51/58: Message adaptation for wireless communication
- H04L 63/1425: {Traffic logging, e.g. anomaly detection}
- H04W 4/14: Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
- H04L 12/1895: {for short real-time information, e.g. alarms, notifications, alerts, updates}
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- 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
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Aspects described herein relate a computer system detecting an unusual activity event from activity data and sending a two-way notification message to a wireless device when a user has opt-in for a mobile application. The two-way push notification message is received at a wireless device and notification information is displayed at the wireless device outside the mobile application. The user selects one of the displayed action buttons to indicate whether the unusual activity event is valid or invalid. When a response to the computer system indicates that the unusual activity is valid, the computer system clears the inquiry and sends a subsequent push notification message to the wireless device informing the user. When the response indicates that the unusual activity is invalid, the computer system and the wireless device may establish an interaction through the mobile application in order to resolve the unusual activity event.

## Claims

### Claim 1

A wireless device comprising:
at least one processor;
a display device;
a communication interface communicatively coupled to the at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the wireless device to:
when an application status is indicative that a user has opt-in for a mobile application, receive, through the 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.

### Claim 2 (depends on 1)

The wireless device of claim 1, wherein the memory storing computer-readable instructions that, when executed by the at least one processor, cause the wireless device to:
when the activity indicator is indicative that the detected unusual activity event is valid, receive a subsequent push notification message by the wireless device while outside the mobile application at the wireless device, wherein the subsequent push notification message is indicative of a proper activity status for the user.

### Claim 3 (depends on 1)

The wireless device of claim 1, wherein the memory storing computer-readable instructions that, when executed by the at least one processor, cause the wireless device to:
pass, through the mobile application, the activity indicator to the transaction computing system when the activity indicator is indicative that the detected unusual activity event is valid.

### Claim 4 (depends on 1)

The wireless device of claim 1, wherein the memory storing computer-readable instructions that, when executed by the at least one processor, cause the wireless device to:
when the activity indicator is indicative that the detected unusual activity event is invalid, redirect the wireless device to the mobile application in conjunction with the operating system passing selected information entered by the user to the mobile application.

### Claim 5 (depends on 4)

The wireless device of claim 4, wherein the memory storing computer-readable instructions that, when executed by the at least one processor, cause the wireless device to:
initiate an interaction between an alert management computing system and the wireless device through the mobile application when authentication has successfully completed, wherein the interaction enables a resolution of the detected unusual activity event.

### Claim 6 (depends on 1)

The wireless device of claim 1, wherein the memory storing computer-readable instructions that, when executed by the at least one processor, cause the wireless device to:
when the activity indicator is indicative that the detected unusual activity event is invalid, automatically activate the mobile application, wherein the user is directed for an action to resolve the detected unusual activity event.

### Claim 7 (depends on 1)

The wireless device of claim 1, wherein the memory storing computer-readable instructions that, when executed by the at least one processor, cause the wireless device to:
receive an acceptance indicator whether to accept a first two-way push notification message; and
in response to accepting the first two-way push notification message, generate an unauthenticated page displaying notification information.

### Claim 8

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.

### Claim 9 (depends on 8)

The one or more non-transitory computer-readable media of claim 8, storing computer-readable instructions that, when executed by the wireless device, cause the wireless device to:
when the activity indicator is indicative that the detected unusual activity event is valid, receive a subsequent push notification message by the wireless device while outside the mobile application at the wireless device, wherein the subsequent push notification message is indicative of a proper activity status for the user.

### Claim 10 (depends on 8)

The one or more non-transitory computer-readable media of claim 8, storing computer-readable instructions that, when executed by the wireless device, cause the wireless device to:
pass, through the mobile application, the activity indicator to the transaction computing system when the activity indicator is indicative that the detected unusual activity event is valid.

### Claim 11 (depends on 8)

The one or more non-transitory computer-readable media of claim 8, storing computer-readable instructions that, when executed by the wireless device, cause the wireless device to:
when the activity indicator is indicative that the detected unusual activity event is invalid, redirect the wireless device to the mobile application in conjunction with the operating system passing selected information entered by the user to the mobile application.

### Claim 12 (depends on 8)

The one or more non-transitory computer-readable media of claim 8, storing computer-readable instructions that, when executed by the wireless device, cause the wireless device to:
when the activity indicator is indicative that the detected unusual activity event is invalid, automatically activate the mobile application, wherein the user is directed for an action to resolve the detected unusual activity event.

### Claim 13

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.

### Claim 14 (depends on 13)

The transaction computing system of claim 13, wherein the communication rules engine is configured to initiate a transmission of a subsequent push notification message to the first wireless device while outside the mobile application at the first wireless device and wherein the subsequent push notification message is indicative of a proper status for the user.

### Claim 15 (depends on 13)

The transaction computing system of claim 13, wherein:
when the notification response is indicative that the detected suspicious activity event is invalid, the alert management computing system establishes an interaction with the user via the mobile application to resolve the detected suspicious activity event.

### Claim 16 (depends on 13)

The transaction computing system of claim 13, wherein when the notification response is indicative that the detected suspicious activity event is invalid, the communication rules engine is configured to initiate transmission of a second push notification message to the first wireless device and wherein the second push notification message is indicative of further action through the first wireless device outside the mobile application.

### Claim 17 (depends on 13)

The transaction computing system of claim 13, wherein the communication rules engine is configured to initiate a transmission of a short message service (SMS) message about the detected suspicious activity event to a second wireless device of a second user when the second user has not opt-in for the mobile application.

### Claim 18

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.

### Claim 19 (depends on 18)

The one or more non-transitory computer-readable media of claim 18, storing computer-readable instructions that, when executed by the transaction computing system, cause the transaction computing system to:
send a subsequent push notification message to the wireless device while outside the mobile application at the wireless device, wherein the subsequent push notification message is indicative of a proper status for the user.

### Claim 20 (depends on 18)

The one or more non-transitory computer-readable media of claim 18, storing computer-readable instructions that, when executed by the transaction computing system, cause the transaction computing system to:
when the notification response is indicative that the detected suspicious activity event is invalid, establish an interaction with the user via the mobile application to resolve the detected suspicious activity event.