Push banking system and method

A method comprising:

• identifying information related to a subscriber's account;
• creating a message containing the information;
• embedding the message in an applet, the applet providing functionality for the subscriber to display the message, to respond to the message, and to alter the subscriber's account;
• and
• transmitting the applet to the subscriber.

A method comprising:

• identifying information related to a subscriber;
• identifying at least one channel of communication with which to communicate with the subscriber;
• creating a message containing the information;
• transmitting the message to the subscriber on the at least one channel of communication;
• receiving a response from the subscriber;
• and
• correlating the response to the message.

A method of communicating with subscribers to a system, the method comprising:

• establishing subscriber profiles for a plurality of subscribers, the subscriber profiles containing information related to subscriber identification, preferred channels of communication and alternative channels of communication;
• periodically scanning at least one of databases internal to the system and data sources external to the system for first information which affects any of the plurality of subscribers;
• actively monitoring at least one of the databases internal to the system and data sources external to the system for updates and identifying second information which affects any of the plurality of subscribers;
• determining if any of the first and second information should be communicated to any of the plurality of subscribers, any such information so determined being denoted as determined information;
• creating at least one message containing the determined information;
• identifying at least one of the plurality of subscribers to which the determined information should be communicated;
• retrieving from the subscriber profile, the information related to the preferred channels of communication for the at least one of the plurality of subscribers;
• formatting the at least one message for the preferred channels of communication for the at least one of the plurality of subscribers;
• encrypting the at least one message;
• assigning a time at which the at least one message will become stale;
• transmitting the at least one message over the preferred channels of communication for the at least one of the plurality of subscribers;
• monitoring for receipt of an acknowledgement of successful transmission of the at least one message over at least one of the preferred channels of communication for the at least one of the plurality of subscribers;
• if an acknowledgement is not received in a first predetermined time, retrieving from the subscriber profile the information related to the alternative channels of communication for the at least one of the plurality of subscribers, and transmitting the at least one message over the alternative channels of communication for the at least one of the plurality of subscribers;
• monitoring for receipt of a response from the at least one of the plurality of subscribers;
• if the response from the at least one of the plurality of subscribers has not been received in a second predetermined period of time, retransmitting the at least one message over at least the preferred channels of communication for the at least one of the plurality of subscribers;
• terminating the retransmission step if the at least one message has become stale;
• receiving the response from the at least one of the plurality of subscribers;
• and
• authenticating the response from the at least one of the plurality of subscribers.

A method comprising:

• identifying information related to at least one account of a subscriber;
• identifying at least one channel of communication with which to communicate with the subscriber;
• creating a message containing the information, the message further containing response information enabling the subscriber to generate and transmit a response;
• transmitting the message to the subscriber on the at least one channels of communication;
• receiving a response to the message from the subscriber;
• and
• altering the at least one account of the subscriber in response to the response from the subscriber.

A system for communicating with a subscriber to the system, the system comprising:

• an information identification module identifying update information related to the subscriber;
• a subscriber database containing channel information which identifies at least two different channels of communication with which to communicate with the subscriber;
• a message generation module coupled to the information identification module and generating a message containing the update information, the message further containing response information enabling the subscriber to generate and transmit a response to the message over at least one of the two channels of communication;
• and
• a communication layer coupled to the message generation module, the communication layer including interfaces to the at least two channels of communication, the communication layer transmitting the message to the subscriber contemporaneously on the at least two different channels of communication.

A system for communicating with subscribers comprising:

• an information identification module identifying update information related to the subscriber;
• a message generation module coupled to the information identification module and generating a message containing the update information;
• at least one communication channel;
• a communication channel interface coupled to the message generation module and coupled to the at least one communication channel, the communication channel interface transmitting the message to the subscriber on the at least one communication channel and receiving a response from the subscriber on the at least one communication channel;
• and
• a response module coupled to the communication channel interface and correlating the received response to the transmitted message.