Patent ID: 8527421
Filing Date: 2013-09-03
Classification: G06Q,H04L

Abstract:
1. A system for delivering personalized services to a consumer operating a communication device comprising: a processor; a memory storing executable instructions that when executed by the processor causes the processor to perform the steps of: receiving a request that is a pull request from a communication device of a consumer or a push request from a participating business, the pull request received over an electronic communication channel; querying a communication provider database and determining a virtual key of the consumer based on an ID of the communication device, if the request is a pull request, or querying a database associated with the participating business and determining the virtual key based on a company ID and an ID of the consumer, if the request is a push request; determining an authorization level of a transaction associated with the request; based on the determined authorization level and the virtual ID, querying a database of a company and determining the ID of the consumer associated with the virtual key, if the request is a pull request, or identifying a communication provider and a corresponding communication channel to communicate with the consumer, if the request is a push request; and sending the request and the ID of the consumer to the company via an interface component, if the request is a pull request, or querying the identified communication provider based on the company ID and the virtual key, determining an address of the communication device, and transmitting a response to the request to the communication device over the corresponding communication channel using the address if the request is a push request.