# US 8,783,564 B2 · Transaction notification and authorization method > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,783,564 B2 - Document ID: US8783564B2 - Status: Granted - Kind: B2 - Application number: 13/974,462 - Filed: 2013-08-23 - Published: 2013-12-26 - Granted: 2014-07-22 - Earliest claimed: 2005-03-11 - Assignees: Calabrese Stemer LLC - Applicants: Gerry Calabrese; Werner Stemer - Inventors: Gerry Calabrese; Werner Stemer - Web page: https://patentgrep.com/patent/US8783564B2 ## CPC - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 20/325: {using wireless networks} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/425: {using two different networks, one for transaction and one for security confirmation} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - 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 ## Abstract An added level of security is provided for charge transactions. Upon presenting a charge card number for a purchase, for example, the cardholder receives a message (e.g., SMS) on his cell phone or PDA that a charge authorization request has been received. The message may include the merchant, a charge amount, and a time and date. ## Claims ### Claim 1 A method for processing a transaction, comprising the steps of: receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer's account; determining whether or not the account includes a request for notification to the customer of any transactions; notifying the customer via a second transmission channel only if the account includes a request for notification of any transactions; the second transmission channel being distinct from the first transmission channel; and authorizing the transaction without requiring a response from the customer. ### Claim 2 (depends on 1) The method according to claim 1, wherein the notifying step comprises sending an SMS message to the customer. ### Claim 3 (depends on 1) The method according to claim 1, wherein the request is from the group consisting of a customer, an account holder, an authorized person, and an unauthorized person . ### Claim 4 (depends on 1) The method according to claim 1, wherein the request is provided from the group consisting of an ATM, a POS terminal, a telephone and a device for virtual communication. ### Claim 5 (depends on 1) The method according to claim 1, wherein the request is a virtual request provided via the Internet. ### Claim 6 (depends on 1) The method according to claim 1, wherein the transaction is selected from the group consisting of credit card, debit card, charge card, and ATM. ### Claim 7 (depends on 1) The method according to claim 1, wherein the first transmission channel is selected from the group consisting of wireless and landline channels. ### Claim 8 (depends on 1) The method according to claim 1, which comprises receiving the request at a remote processing facility. ### Claim 9 (depends on 1) The method according to claim 1, wherein said steps of notifying and authorizing are performed substantially concurrently. ### Claim 10 A method for processing a transaction, comprising the steps of: a. receiving a request for authorizing a transaction for an account, said request received via a first transmission channel, said request including at least an identification of the customer's account; b. determining if the account includes a request for notification to the customer of any transactions; c. sending a notification to the customer via a second transmission channel only if the account includes a request for notification of at least one form of transaction; d. the second transmission channel being distinct from the first transmission channel; e. receiving a response to the notification; and f. authorizing the transaction only if the response is proper. ### Claim 11 (depends on 10) The method according to claim 10, wherein the request is from the group consisting of a customer and an authorized person. ### Claim 12 (depends on 10) The method according to claim 10, wherein the request is provided from the group consisting of an ATM, a POS terminal, a telephone and virtual. ### Claim 13 (depends on 10) The method according to claim 10, wherein the transaction is selected from the group consisting of credit card, debit card, charge card, and ATM. ### Claim 14 (depends on 10) The method according to claim 10, wherein the first transmission channel is selected from the group consisting of wireless and landline channels. ### Claim 15 (depends on 10) The method according to claim 10, wherein the transaction is selected from the group consisting of credit cards, debit cards and ATM cards. ### Claim 16 (depends on 10) The method according to claim 10, wherein the first and second transmission channels are both wireless channels. ### Claim 17 (depends on 10) The method according to claim 10, wherein the request for authorizing a transaction is received from a merchant. ### Claim 18 (depends on 10) The method according to claim 10, wherein the request for authorizing a transaction is received from the group consisting of a merchant and a customer. ### Claim 19 (depends on 10) The method according to claim 10, wherein the response is selected from the group consisting of a reply to an SMS message, a key depressed during a telephone call, a PIN, a password, and a voice reply.