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US 8,554,676 B2Granted
Purchasing alert methods and apparatus
AssigneeThe Toronto-Dominion Bank
InventorDavid S. Grant
Life of this patent
Estimating the term…
Abstract
Systems and techniques for receiving transaction information at an authentication system. The transaction information may be processed using different rule sets, based on the financial instrument used for the transaction (for example, a particular credit card, debit card, bank account, brokerage account, and the like). One or more alerts may be generated and communicated to the user. The alerts may be formatted based on user device configuration information, such as a cell phone type, email type, and the like.
Claims29
A machine-implemented method comprising:
- Receiving, by a processor, transaction information for N financial transactions, each said financial transaction having already been executed using an associated financial instrument;
- processing, by the processor, the transaction information using at least one of a plurality of rule sets, each said rule set being associated with a respective one of the financial instruments;
- selectively, by the processor, generating M alert communications in response to the processing, wherein each said alert communication identifies one of the N financial transactions, and wherein M is less than N;
- passing, by the processor, the alert communications to an entity over a network, wherein each said alert communication is configured to permit the entity to optionally reply directly to the respective alert communication, wherein the receiving, processing, generating, and passing are performed by a transaction alert system after the N financial transactions have already been executed and without interfering with execution of the N financial transactions;
- receiving, by the processor, at least one response message from the entity at a response system in direct reply to the alert communications after the N financial transactions have been executed and without interfering with the execution of the N financial transactions, wherein the response messages from the entity include designations provided by the entity concerning the financial transactions;
- and
- wherein the execution of the financial transactions are not conditioned on the designations included in the response messages.
4 more elements
A system comprising:
- a non-transitory memory configured to store a plurality of rule sets each associated with a respective financial instrument;
- a transaction alert system comprising a processor configured to:
- receive transaction information for N financial transactions, each said financial transaction having already been executed using one of the financial instruments;
- process the transaction information using the rule sets associated with the respective financial instruments;
- selectively generate M alert communications in response to the processing, wherein each said alert communication identifies one of the N financial transactions, and wherein M is less than N;
- pass the alert communications to an entity over a network, wherein each said alert communication is configured to permit the entity to optionally reply directly to the respective alert communication, and
- perform the receive, process, generate, and pass operations after the N financial transactions have already been executed and without interfering with execution of the N financial transactions;
- a response system configured to receive at least one response message in direct reply to the alert communications after the N financial transactions have been executed and without interfering with the execution of the N financial transactions, wherein the response messages from the entity include designations provided by the entity concerning the financial transactions;
- and
- wherein the execution of the financial transactions are not conditioned on the designations included in the response messages.
7 more elements
A machine-implemented method comprising:
- receiving, by a processor, M alert communications at a device, wherein:
- the alert communications identify N financial transactions and are configured to permit an entity to optionally reply directly to the alert communications using the device,
- the M alert communications are received in response to a rule-based process performed on transaction information associated with the N financial transactions, and
- the rule-based process uses a plurality of rule sets associated with a plurality of financial instruments to selectively generate the M alert communications, wherein each said financial transaction has already been executed using a respective one of the financial instruments, and M is less than N;
- receiving, by the processor, input from the entity in response to the M alert communications without interfering with the execution of the N financial transactions;
- generating, by the processor, at least one response message in direct reply to the M alert communications based on the input;
- wherein the response messages from the entity include designations provided by the entity concerning the financial transactions;
- wherein execution of the financial transactions are not conditioned on the designations included in the response messages;
- and
- wherein the method is performed by one or more processors configured to execute software instructions which, when executed by the one or more processors, cause the device to perform the method after the financial transactions have already been executed and without interfering with the execution of the financial transactions.
7 more elements
A device comprising:
- one or more processors configured to execute software instructions in a non-transitory memory which, when executed by the one or more processors, cause the device to perform a method comprising:
- receiving M alert communications at the device, wherein:
- the alert communications identify N financial transactions and are configured to permit an entity to optionally reply directly to the alert communications using the device,
- the M alert communications are received in response to a rule-based process performed on transaction information associated with the N financial transactions, and
- the rule-based process uses a plurality of rule sets associated with a plurality of financial instruments to selectively generate the M alert communications, wherein each said financial transaction has already been executed using a respective one of the financial instruments, and M is less than N;
- and
- receiving input from the entity in response to the M alert communications without interfering with the execution of the N financial transactions;
- generating a response message in direct reply to the M alert communications based on the input;
- wherein the response messages from the entity include designations provided by the entity concerning the financial transactions;
- wherein execution of the financial transactions are not conditioned on the designations included in the response messages;
- and
- wherein the device is configured to perform the method after the financial transactions have already been executed and without interfering with the execution of the financial transactions.
9 more elements
Dependencies are inferred from the claim text.