Source: https://patents.google.com/patent/US9418381B2/en
Timestamp: 2019-08-23 11:20:07
Document Index: 25673294

Matched Legal Cases: ['application No. 60', 'art 1', 'art 2', 'art 3', 'art 4', 'art 5', 'application No. 05802843']

US9418381B2 - Method and system for notifying customers of transaction opportunities - Google Patents
US9418381B2
US9418381B2 US09/832,863 US83286301A US9418381B2 US 9418381 B2 US9418381 B2 US 9418381B2 US 83286301 A US83286301 A US 83286301A US 9418381 B2 US9418381 B2 US 9418381B2
US09/832,863
US20020013711A1 (en
Citigroup Credit Services Inc
2001-04-12 Application filed by Citigroup Credit Services Inc filed Critical Citigroup Credit Services Inc
2001-07-30 Assigned to CITICORP DEVELOPMENT CENTER, INC. reassignment CITICORP DEVELOPMENT CENTER, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: AHUJA, ARUN, MARKARIAN, GRIGOR, PAN, JOE, TATA, ANAND, TOMPKINS, PETER, VAIDYANATHAN, RAMADURAI
2002-01-31 Publication of US20020013711A1 publication Critical patent/US20020013711A1/en
2006-04-03 Priority claimed from US11/395,162 external-priority patent/US8032453B2/en
2006-06-06 Priority claimed from US11/447,261 external-priority patent/US8725632B2/en
2016-08-16 Publication of US9418381B2 publication Critical patent/US9418381B2/en
A standalone notification system, including a notification server which generates electronic messages to registered customers upon their request or upon a host business request. The customer provides the system with his/her messaging identification (“ID”), e.g. e-mail address, GSM (global system for mobile communications) or other mobile phone numbers that are able to accept, e.g., short message service (“SMS”) messages, facsimile number, and/or telephone number. Customers can register with the host notification server without having any relationship, banking or otherwise, with the host. Customers can choose between different notification channels such as e-mail, SMS message, fax or pager.
The current application claims priority to provisional application No. 60/197,773 filed Apr. 14, 2000 entitled, “METHOD AND SYSTEM FOR NOTIFYING CUSTOMERS OF TRANSACTION OPPORTUNITIES,” which is incorporated herein by reference in its entirety.
FIGS. 6(a) and 6(b) are schematic views of a Web page according to an embodiment of the present invention;
Given the three databases, customer preference 24, alert message 26, and rates and information 30; as well as the information in the host handoff files database 16, alert message generators 32 access the information therein, to form a rates and information alert message generator 34 and a host alert message generator 36. These alert message generators 32, generate the messages requested by the customers, which are stored in an alert message text database 26 prior to being sent to a customer selected alert message gateway 40. As discussed below, these gateways may include but are not limited to e-mail 42, HTML (hypertext mark-up language) 44, pager 46, CSR call 48, mobile phone text messaging, G, Global System for Mobile Communications Service (“GSM”) 50, and XML (extensible mark-up language) 52, facsimile 54, and short message service (“SMS”) 56. Through these alert message gateways 40,
requested information is transmitted to the customer 58.
Referring to FIG. 6(a), upon successful login by an MC, the MC is linked to MC preference site 70 which utilizes a MiniApp and Transaction Executors. Further, fill-in forms, similar to those used in, for example, the CITIDIRECT® home banking system are used to collect MC data such as content to be notified on 72, preferred channel of contact 74, and a preferred time for notification 76. By way of example, the content to be notified on may include, but is not limited to information relating to the MCs checking, savings and portfolio values, interest rates, stock quotes, credit specials (e.g., special loans, low credit card rates) and other financial specials offered by the host. Specific account-notifications can include, but are not limited to, past-due-date reminders, overdrafts, credit limits, specific credit charges (e.g., single amount charges, location charges), credit fraud warnings (e.g., based on unfamiliar pattern of charges, location of charges, amount of charges) direct deposits (e.g., of salary, dividend, etc.), balance, credit card due dates, automatic bill payments, check clearing alert and ATM withdrawals. The preferred channel of contact may be selected from e-mail, HTML, pager, CSR, mobile phone text messaging, e.g., GSM, XML, facsimile, and SMS. The MC may request to be notified at specific times such as instantaneously (e.g., as soon as technologically possible when the requested event occurs), hourly, daily, weekly, or monthly. In alternative embodiments, the MC is able to select different notification times for different events. After making general notification selections via the MC preference site 70, the MC is linked to other Web pages (not shown) via the “CONTINUE” icon where they are able to provide more specific request information (e.g. phone #, fax #, requested interest rate, requested account balance information, etc. . . . ). The Transaction Executors have direct access to the internal databases and servers of the host (e.g. CITIGOLD® server), subject of course to Database Access Security server restrictions (discussed below). MCs have more options to select from, which are not available to NMCs, through MC preference site 70. Further, the MC preference site 70 is capable of generating reports 78.
Referring to FIG. 6(b), in an embodiment of the present invention, when the MC clicks on the “CREATE REPORT” link 78, the MC is directed to a separate “Report Parameters” Web page 200 for defining report parameters. The “Report Parameters” Web page 200 facilitates user-defined reports 205, where the MC has the ability to define what type of report the MC would like to have created from the information contained in the notification system, as well as predetermined parameter reports 210. Predetermined parameter reports 210 include, for example, today, daily, weekly, monthly notification reports which list all notifications sent during the current day for today and the immediate preceding specified time frame e.g., preceding day, preceding week, preceding month for daily, weekly, and monthly notification reports. Further, the predetermined parameter reports 210 show all methods by which the notifications were sent as well as a summary of the notification, e.g., “$1,000 deposited into account no. XYZ on MM/DD/YY.” User-defined reports 205 allow the user to specify parameters used to create the report from specific dates and date ranges to specific accounts, to specific notification methods through which the specified notifications were sent. Once the MC selects their desired report parameters or predetermined parameter report, clicking on the “GENERATE REPORT” button 215 results in a report which includes the desired parameters.
In various embodiments of the present invention, customers access the notification system 10 for any of a variety of reasons. Customers may choose to access the notification system 10 in order to add new or updated information to one or more of the available databases. In particular, customers may wish to choose or change their preferences for when and how they wish to be notified of transaction opportunities. Further, customer's may wish to check a log or report of the most recent notifications that they have received. For example, an embodiment of the present invention allows customers to check a report containing the last X (X=1, 2, 3 . . . n) notifications of which the customer was alerted via their chosen notification gateway 40. Further as discussed with reference to FIG. 6(b), the report may contain a more detailed account of the substance of the notification for the customer to review prior to acting or not acting based on the information contained in the notification.
CustomerId Int 4 Internally generated Unique
identifier of the record.
CustomerType Char 1 “C” for CITIDIRECT or
CITIGOLD customers
LoginId Char 22 User created login ID for
non-CITIDIRECT customers.
(CIN) for CITIDIRECT
Password Char 10 User created password for
Not used for CITIDIRECT
Name Char 60 Customer first name, last name
GSMNumber Char 20 GSM phone number to receive
DefaultNotification Char 1 “1” for E-mail
Method “2” for GSM
LastModifiedDate Time 8 Date when the Customer record
Stamp was last updated.
CSRId Int 4 Reference to CSRs table.
DayPhone Char 20 Customer's day time phone
EveningPhone Char 20 Customer's evening time phone
ActivationFlag Char 1 “Y” means alert messages will
be generated for this subscrip-
tion and Customer's will see this
“N” means alert messages will
not be generated for this sub-
scription and Customer's will
not see this prompt on their
This flag is used when the
receive alerts yet he/she does
not want to clear the current
AuthCookie Char 40 It's an application cookie gen-
erated each time customer
fetches his/her record for update.
This value is compared upon
form submit.
Processor Char 1 “1” for Rates and Info type
Type “2” for Host type
This field is required since the
public information and data
obtained from the host are in
ReferenceId Int 4 This field is used to identify which
alert the customer is subscribing to.
RatesAndInforPrompts record
when ProcessorType is “1”
Reference to a HostInfoPrompts
record when ProcessorType is “2”
ThresholdFlag Char 1 For Rate type alerts it indicates
the comparison mode of the current
rate and the customer indicated
“1” if current rate is greater then
“2” if current rate is less then
ThresholdValue Float 8 For Rate type alerts it is the
customer target value
Notification Char 1 The notification method for this
Method alert.
“0” use customer's default
Notification Int 4 Number of times to be notified.
Limit “−1” for No limit.
A Positive number will generate an
alert and the number will be
decremented automatically.
LastNotification Time 8 Last time an alert was generated.
Date Stamp This field is used by the Alert
Message generator's to avoid
sending duplicate messages.
CIN Char 22 Customer Identification Number
(CIN) for CITIDIRECT customers.
This field is duplicated here for
performance optimization (In ideal
DB design this field should be
obtained from Customers table
Login field.
CSRId Int 4 Internally generated Unique identifier of the
Name Char 60 Customer Representative first name, last
Email Char 50 E-mail address to receive copy of the alerts
sent to the their customers.
RatesAndInfo Int 4 Internally generated Unique identifier
PromptId of the record. (Primary key)
Display Int 4 Reference to DisplayGroups record
GroupId which represents this Product Prompt
“30 day CD rates”
Display Int 4 The order in which this prompt will
Order appear on the Customer's screen
within the DisplayGroup.
RatesAndInfo Char 1 “I” for Product information only
“R” for Product information with
associated rate
Prompt Char 100 The textual phrase appearing on the
different screen (Web sites) describ-
ing the alert.
NotifyCSR Char 1 “Y” means when a message is sent to
the customer then a copy will also be
sent to the customer's CSR.
“N” means do not send a copy to
Activation Char 1 “Y” means alert messages will be
Flag generated for this subscription and
Customer's will see this prompt on
“N” means alert messages will not be
generated for this subscription and
Customer's will not see this prompt
This flag is used when the prompt is
under construction or it is in the
approval phrase.
StartDate Time 8 The date from which the system will
Stamp generate alert messages. This field
has no effect on Customer screens,
which means that if the Activation
Flag is “Y” then this prompt will
appear on the Customer screen
regardless of the StartDate field
Expiration Time 8 The date after which the system will
Date Stamp not generate alert messages. This
field has no effect on Customer
screens, which means that if the
ActivationFlag is “Y” then this
prompt will appear on the Customer
screen regardless of the Expiration
Date field value.
CurrentRate Float 8 The current rate to which Customer
threshold targets are compared
against. This field is valid only if the
RatesAndInfoType is “R”.
LastUpdate Time 8 Last time this record or its
Date Stamp corresponding response was updated.
This field is used by the Alert
Message generator's to avoid sending
AutoFeedId Char 10 This field is used by Feeder applica-
tions to identify matching records
during import process.
RatesAndInfo Int 4 Internally generated Unique identifier of
ResponseId the record. (Primary key)
RatesAndInfo Int 4 Reference to a RateAndInfoPrompts
PromptId record which represents the prompt
(question) to this response.
Notification Char 1 “0” for default response for all methods
Method “1” for E-mail
Subject Char 100 The textual phrase appearing on the
Response message heading. This is the
same as standard E-mail subject text.
Response Var 1024 The textual phrase appearing on the
Detail Char Response message body. This is the
same as standard E-mail body text.
Activation Char 1 “Y” means this response is ready to be
Flag sent to customers.
“N” means this response is not ready to
be sent to customers..
This flag is used when the response is
Display Int 4 Internally generated Unique identifier of
GroupId the record. (Primary key)
different screens (Web sites). This field
represents the Product grouping such as
“Auto loans” or “30 day CD rates”.
SourceDB Int 4 “1” for Customer Preference Database
grouping will appear on the Customer's
The majority of the data fields from TABLE 8 are described with reference to at least TABLE 5. Additionally, the message code is an action code that is set by the host and represents the host identified event which the customer has selected for alert purposes. This message code is used by the alert message generator to map host event records to host information prompt records.
HostInfo Int 4 Internally generated Unique identifier
grouping such as “Checking
accounts” or “Money Market
DisplayOrder Int 4 The order in which this prompt will
appear on the Customer's screen
ExpirationDate Time 8 The date after which the system will
Stamp not generate alert messages. This
MessageCode Float 8 The action code set by the Host,
which represents this event. For
example “11111” means overdraft.
The Message code is used by the host
alert message generator to map a
HostEvent record to HostInfoPrompt
AutoFeedId Char 10 This field is used by Feeder
applications to identify matching
records during import process.
HostInfo Int 4 Internally generated Unique identifier of
HostInfo Int 4 Reference to a HostInfoPrompts record
PromptId which represents the prompt (question)
ResponseDetail Char 1024 The textual phrase appearing on the
Response message body. This is the
HostEventId Int 4 Internally generated Unique identifier
Account Char 22 Account number. Part 1 of 4 to
Number uniquely identify a relationship with
ProductType Char 3 Product type. Part 2 of 4 to uniquely
Code identify a relationship with Host.
SubProduct Char 2 Sub product type. Part 3 of 4 to
TypeCode uniquely identify a relationship with
CurrencyCode Char 3 Currency Code. Part 4 of 4 to
uniquely identify a relationship with
CIN Char 22 Customer Identification Number.
This field is used to identify the
specific Customer request record.
CurrentValue Float 8 The current value to which Customer
against. For example if a customer
wants to be notified if his/her balance
AsOfDate Time 8 This field is for information only
Stamp which will be merged with the
Response Detail (body) when
Notes Char 120 The textual phrase, which will be
merged with the Response Detail
(body) when messages are sent to the
customers. This field can be used to
send account specific data such as
current balances.
field represents the Product grouping
such as “Checking accounts”
or “CDs”.
AlertMessageId Int 4 Internally generated Unique
CITIGOLD customers “0”
for non-Host customers
NotificationMethod Char 1 The notification method for
“0” use customer's
default notification method
ReferenceId Int 4 This field is used to identify
which alert the customer is
subscribing to. Reference to a
record when ProcessorType is
Createdate Time 8 Timestamp when this record is
Stamp created
Subject Char 100 The textual phrase appearing on
the Response message heading.
This is the same as standard
E-mail subject text.
ResponseDetail Var 1024 The textual phrase appearing on
Char the Response message body.
E-mail body text.
NotifyCSR Char 1 “Y” means when a message is
sent to the customer then a copy
will also be sent to the
customer's CSR. “N”
means do not send a copy
to CSR.
AccessId Int 4 Internally generated Unique
PasswordChangelnterval Int 4 Number of days when
a new password should be
generated for this login
1. A method implemented on a machine for formulating an alert message containing financial information for a customer comprising:
providing the customer, via a communications platform hosted on one or more servers of a first financial institution connected to a network, with access to a notification system, including,
(i) providing, by the one or more servers, a first link to a first user interface and a second link to a second user interface that the customer selects depending on whether the customer is a member customer or a non-member customer, wherein the first user interface is for member customers affiliated with a financial institution providing the notification system and the second user interface is for non-member customers who are not affiliated with the financial institution providing the notification system,
(ii) receiving, by the one or more servers, a selection by the customer of the first link or the second link,
(iii) generating, by the one or more servers, access data authenticating the customer in response to receiving the selection of the first link or the second link,
(iv) prompting, by the one or more servers, the customer, via a user interface, for the access data, and
(v) providing, by the one or more servers, the first or second user interface to the customer depending on the selection, wherein the first user interface provides a set of customer-selectable events that are different than a set of customer-selectable events included in the second user interface;
storing, by the one or more servers, in a machine storage an alert prompt in a first database of a notification system hosted by the first financial institution, wherein the alert prompt includes an indication of a change in value of monitored financial information in account data received from at least one server of a second financial institution detected by at least one server of the first financial server;
receiving, by the one or more servers, from the at least one server of the second financial institution the account data containing the financial information into a second database of the notification system, wherein the incoming account data containing the financial information is received into the second database on the network from the at least one server of the second financial institution and at least one server of the first financial institution, and further wherein the incoming account data containing the financial information received from the at least one server of the first financial server results from a change in at least one customer account maintained by the first financial institution;
comparing the incoming financial information with the indication of the change of the alert prompt in the first database;
transmitting, via the communications platform connected to the network, an alert message to one or more devices of the customer through at least one communications channel associated with the one or more devices in accordance with at least one customer-preferred method for notifying the alert message at a customer-preferred time for notifying the alert message, the alert message transmitted upon the one or more servers determining that the indication of the change match the incoming financial information, wherein the alert message includes a request for a reply message; and
upon receiving the reply message from the customer, the one or more servers executing an instruction, wherein the one or more servers execute an action according to the instruction responding to the change in value of the monitored financial information.
2. The method according to claim 1, wherein the first financial institution is hosting the notification system.
3. The method according to claim 1, wherein the second financial institution is accessible over the Internet.
4. The method according to claim 1, wherein the second financial institution is not hosting the notification system.
5. A method implemented on a machine for notifying a customer of at least one requested event comprising:
generating, by one or more servers of a notification system of a first financial institution, a user interface displayed on a user device of the customer, generating the user interface including,
(i) providing a first link to a first user interface associated with member customers and a second link to a second user interface associated with non-member customers,
(ii) receiving from a browser of the user device a selection by the customer of the first link or the second link,
(iii) generating access data for the customer according to the first link or the second link,
(iv) updating the user interface to include an input prompt prompting the customer, via the user interface, for the access data, and
(iv) providing the first or second user interface to the customer depending on the selection, wherein the first user interface provides a first set of customer-selectable events that are different than a second set of customer-selectable events included in the second user interface;
prompting the customer via the user interface to select at least one requested event, wherein the at least one requested event instructs the one or more servers of the notification system to monitor account data containing financial information received from at least one server of a second financial institution and indicates a change in value of monitored financial information triggering one or more alert notifications;
prompting the customer via the user interface to select at least one instruction, the at least one instruction configuring at least one server of the first financial institution when the at least one requested event is detected by the one or more servers of the first financial institution;
prompting the customer via the user interface to select at least one method of notification corresponding respectively to at least one user device configured to receive notifications via a corresponding communications channel;
prompting the customer via the user interface to select at least one time for notification;
formulating an alert prompt wherein the alert prompt includes,
(i) the at least one requested event,
(ii) the customer's at least one method of notification,
(iii) the customer's at least one time for notification,
(iv) information about the customer's at least one instruction; and
storing the alert prompt in a first database of the notification system;
receiving account data containing financial information from at least one server of the second financial institution and at least one server of the first financial institution, via a communications platform connected to a network into a second database of the notification system, wherein the incoming financial information indicates a change in the value of the financial information in the account data;
comparing the incoming financial information with the at least one requested event of the alert prompt in the first database;
sending, via the communications platform connected to the network a notification message to each of the user devices of the customer via each of the communications data channels associated with each user device according to each of the customer's at least one method of notification at the customer's at least one time for notification when the at least one requested event matches the incoming financial information, wherein the notification message contains at least a confirmation request for execution of the at least one instruction; and
upon confirmation being received from at least one user device, executing the at least one instruction, wherein the at least one server of the first financial institution according to the at least one instruction performs an action responding to the change in value of the monitored financial information.
6. A method implemented on a machine for notifying a customer of at least one requested event comprising:
transmitting, by a communications platform connected to a network and one or more servers of a first financial institution, to a user device a graphical interface comprising a first link to a first user interface and a second link to a second user interface, wherein the first user interface is for member customers affiliated with a financial institution providing a notification system and the second user interface is for non-member customers who are not affiliated with the financial institution providing the notification system;
upon receiving from the user device a selection by the customer of the first link, generating access data authenticating member customers;
upon receiving from the user device a selection of the second link, generating access data authenticating non-member customers;
prompting the customer, via the graphical interface, for the access data authenticating the member customers or non-member customers;
upon authenticating the user based upon the access data, providing the first or second user interface to the user device of the customer depending on the selection, wherein the first user interface provides a first set of customer-selectable events that is different than a second set of customer-selectable events in the second user interface;
prompting the customer, via the graphical interface, to select at least one requested event, wherein the at least one requested event is based on a change in value of monitored financial information stored in account data at a second financial institution detected by the one or more servers of the notification system of the first financial institution, the one or more servers of the first financial institution configured to continuously receive the account data containing the financial information from at least one server of the second financial institution;
storing the customer's at least one requested event selection in a first database;
prompting the customer, via the graphical interface, to select at least one instruction associated with the at least one requested event, wherein the one or more servers of the first financial institution are configured to execute the at least one instruction upon detecting the at least one requested event;
storing the customer's at least one instruction in a second database;
prompting the customer, via the graphical interface, to select at least one method of notification, each of the at least one method of notification associated with a respective data communications channel configured to support notification messages having a corresponding data format;
storing the customer's at least one method of notification selection in the first database;
prompting the customer, via the graphical interface, to select at least one time for notification;
storing the customer's at least one time for notification selection in the first database;
upon receiving the account data from the at least one server of the second financial institution containing the financial information that triggers the at least one requested event:
formulating, in an alert message generator executed by the one or more servers of the first financial institution configured to generate one or more notification messages according to at least one data format of at least one data communication channel associated with a respective user device of the customer, a first notification message that includes information about the at least one requested event, the first notification message having a format based upon each of the at least one notification method selection of the customer;
sending via the communications platform connected to the network the first notification message to each respective user device of the customer via each of the data communications channels associated with each of the customer's at least one method of notification at the customer's at least one time for notification;
upon the communications platform and the one or more servers receiving a reply from the user device of the customer to first notification message:
executing the at least one instruction by the first financial institution when the at least one requested event is detected by the one or more servers, wherein the one or more servers of the first financial institution execute the at least one instruction, whereby the one or more servers perform an action responding to the change in value of the monitored financial information received from the at least one server of the second financial institution;
formulating a second notification message, in the alert message generator, that includes information about the at least one instruction, the second notification message having the format based upon each of the at least one notification method selection of the customer; and
sending via the communications platform connected to the network the second notification message to each respective user device of the customer via each of the data communications channels associated with each of the customer's at least one method of notification.
7. The method according to claim 6, further comprising prompting the customer, via the graphical interface, to select a method of payment for using the notification system.
8. The method according to claim 7, wherein only non-member customers are prompted to select a method of payment for using the notification system.
9. The method according to claim 6, wherein the second database contains customer-specific financial account information.
10. The method according to claim 9, wherein the customer is a non-member customer.
11. A system implemented on a machine for notifying a customer of at least one requested event comprising:
machine-readable storage of a notification system of a first financial institution, the machine storage storing one or more event notifications of a customer and one or more instructions for at least one server of the first financial institution to execute for the customer; and
one or more servers of the first financial institution comprising one or more processors programmed to:
transmit to a user device of the customer a user interface generated by the one or more servers displaying a first link to a first user interface and a second link to a second user interface, wherein the first user interface is for member customers affiliated with a financial institution providing the notification system and the second user interface is for non-member customers who are not affiliated with the financial institution providing the notification system;
upon receiving a selection by the customer of the first link, generate access data authenticating member customers;
upon receiving a selection of the second link, generate access data authenticating non-member customers;
generate a user interface for display at the user device prompting the customer for the access data, and
upon authenticating the customer based upon the access data, providing the first or second user interface to the user device of the customer depending on the selection, wherein the first user interface provides a first set of customer-selectable events that are different than a second set of customer-selectable events included in the second user interface;
generate a user interface for display at the user device prompting the customer to select at least one requested event and at least one instruction, wherein the at least one instruction is executed by the at least one server of the first financial institution when the at least one requested event is detected by the one or more servers of the first financial institution, and the at least one requested event is based on a change in value of monitored financial information detected by the one or more servers in account data received from at least one server of a second financial institution;
store in the machine storage the customer's at least one requested event selection and the customer's at least one instruction;
generate a user interface prompting the customer to select at least one method of notification and storing the customer's at least one method of notification selection in the machine storage, each of the at least one method of notification associated with a respective data communications channel configured to support notification messages having a corresponding data format; and
generate a user interface prompting the customer to select at least one time for notification and storing the customer's at least one time for notification selection in the machine storage;
upon receiving account data containing the financial information from the at least one server of the second financial institution into the one or more servers of the notification system of the first financial institution:
formulate a notification message that includes information about the at least one requested event;
send the notification message via the respective communications channel to each of the user devices of the customer corresponding to each of the customer's at least one method of notification at the customer's at least one time for notification; and,
upon receiving a reply from the customer, executing the at least one instruction by the financial institution when the at least one requested event is triggered, wherein the instruction performs an action responding to the change in value of the monitored financial information.
12. A system implemented on a machine for notifying a customer of at least one requested event comprising:
a customer profile server of a notification system of a first financial institution, the customer profile server storing one or more records of a customer's financial notification preferences, each respective record of the customer containing:
(i) at least one data field indicating at least one requested event, wherein the at least one requested event is based on a change in value of monitored financial information contained in account data received from at least one server of a second financial institution,
(ii) at least one customer's notification method preference, each of the at least one notification method preferences indicating a corresponding user device configured to receive one or more messages from the notification system via a corresponding data communications channel,
(iii) a customer's time for notification preferences; and
(iv) at least one instruction, wherein the at least one instruction is executed by at least one server of the first financial institution upon detecting the at least one requested event;
the at least one server of the first financial institution comprising a processor executing the at least one instruction when the one or more servers detect the at least one requested event, wherein the at least one server executes an action indicated by the at least one instruction responding to the change in value of the monitored financial information detected by the one or more servers of the first financial institution in the account data received from the at least one server of the second financial institution;
a database of the first financial institution connected to the one or more servers and storing account data containing financial information received from the at least one server of the second financial institution and the one or more servers of the first financial institution;
a first notification message generator executed by the one or more servers connected to the customer profile server and the database containing the financial information, and configured to compare the change in the value indicated by the at least one requested event with the financial information of the account data in the database, and generate a first notification message according to a first data format associated with a first communications channel when the change in the value detected by one or more servers in the financial information matches the at least one requested event;
a first notification gateway hosted on the one or more servers of the first financial institution and coupled to the first communications channel, and configured to transmit the first notification message to the customer according to a first user device associated with the first notification gateway indicated by a first customer's notification method preferences and the time for notification preferences;
a second notification message generator executed by the one or more servers connected to the customer profile server and configured to generate a second notification message according to a second data format associated a second communications channel when the at least one instruction is executed by the at least one server of the first financial institution;
a second notification gateway hosted on the one or more servers of the first financial institution, and connected to the second notification message generator and the second communications channel, the second notification gateway configured to transmit the second notification message to a second user device of the customer according to a second customer's notification method preferences;
a first interface generator executed by the one or more servers of the first financial institution, the first interface generator configured to generate a first link to a first website and a second link to a second website provided to the customer depending on whether the customer is a member customer or a non-member customer, wherein the first website is for member customers affiliated with a financial institution providing the notification system and the second website is for non-member customers who are not affiliated with the financial institution providing the notification system;
a second interface generator executed by the one or more servers of the first financial institution, the second interface generator configured to generate a first set of customer-selectable events to be displayed on the first website and a second set of customer-selectable events to be displayed on the second website, wherein the first set is different than the second set; and
a notification report generator connected to the customer profile server and executed by the one or more servers of the first financial institution, the notification report generator configured to generate a notification report interface displaying at least one data describing each notification message sent to the customer during a customer selected period of time, wherein the customer profile server further comprises a database storing the at least one data describing each respective notification message generated by one or more notification message generators.
13. The system according to claim 12, wherein the at least one requested event is related to one of the following group consisting of a customer checking account, a customer savings account, a customer financial portfolio, a customer credit card, foreign exchange rates, interest rates, and loans.
14. The system according to claim 12, wherein the customer's notification method preferences are selected from the following group consisting of electronic mail, hypertext mark-up language, pager, mobile phone text messaging, extensible mark-up language, facsimile, short message service, and telephone.
15. The system according to claim 12, wherein the customer's notification time preferences are selected from the following group consisting of instantaneously, hourly, daily, weekly, and monthly.
16. The system according to claim 12, wherein the first financial institution is hosting the system.
17. The system according to claim 12, wherein the second financial institution is accessible over the Internet.
18. The system according to claim 12, wherein the second financial institution is not hosting the system.
19. The system according to claim 12, wherein customers are identified in the database as being either member customers or non-member customers.
20. The system according to claim 12, wherein the financial information includes customer's checking account balance, customer's savings account balance, customer's portfolio value, and interest rates.
21. The system according to claim 12, wherein the generating a customer's financial notification preferences includes a customer service representative.
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