Patent ID: 8311941
Filing Date: 2012-11-13
Classification: G06Q,H04L,H04M

Abstract:
1. A machine-implemented method comprising: receiving at an authentication system first transaction information for a first financial instrument associated with a user, wherein the first transaction information identifies a first financial transaction that has already been executed using the first financial instrument; processing the first transaction information using a first rule set comprising one or more rules associated with the first financial instrument; selectively generating a first alert communication in response to the processing of the first transaction information, wherein the first alert communication identifies the first financial transaction; passing the first alert communication to the user, wherein the first alert communication is adapted to permit the user to optionally reply directly to the first alert communication to provide a first designation for the first financial transaction; receiving at the authentication system second transaction information for a second financial instrument associated with the user, wherein the second transaction information identifies a second financial transaction that has already been executed using the second financial instrument; processing the second transaction information using a second rule set comprising one or more rules associated with the second financial instrument; selectively generating a second alert communication in response to the processing of the second transaction information, wherein the second alert communication identifies the second financial transaction; passing the second alert communication to the user, wherein the second alert communication is adapted to permit the user to optionally reply directly to the second alert communication to provide a second designation for the second financial transaction; and wherein the method is performed, after the first and second financial transactions have been executed, by one or more processors of the authentication system adapted to execute instructions stored by one or more memory modules of the authentication system without interfering with execution of the first and second financial transactions.