Source: https://patents.google.com/patent/US8645971
Timestamp: 2018-03-19 20:39:35
Document Index: 467397351

Matched Legal Cases: ['Application No. 200780050672', 'Application No. 07869831', 'Application No. 2007339930', 'Application No. 200780050672', 'Application No. 200780050672', 'Application No. 2009', 'Application No. 200780050672', 'Application No. 200780050672']

US8645971B2 - Real-time balance updates - Google Patents
US8645971B2
US8645971B2 US11963736 US96373607A US8645971B2 US 8645971 B2 US8645971 B2 US 8645971B2 US 11963736 US11963736 US 11963736 US 96373607 A US96373607 A US 96373607A US 8645971 B2 US8645971 B2 US 8645971B2
US20080163257A1 (en )
A method and a system that retrieves dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.
triggering a notification using a notification device of a consumer, wherein the notification is triggered by placing the notification device near a portable consumer device; and
receiving the notification on the notification device,
wherein the notification device belongs to the consumer and comprises a contactless receiver, a processor, a computer-readable medium, and a display,
wherein the portable consumer device belongs to the consumer and is associated with an account identifier and comprises a payment device and a contactless transmitter,
wherein the notification comprises dynamic data associated with the account, and
wherein by placing the portable consumer device near the notification device, a signal is sent from the contactless transmitter on the portable consumer device to the contactless receiver on the notification device.
2. The method of claim 1, wherein the dynamic data is a real-time balance update.
3. The method of claim 1, wherein the dynamic data is a real-time rewards information update.
4. The method of claim 1, wherein the notification with the dynamic data is provided to consumer on the display of the notification device.
5. The method of claim 4, wherein the notification with the dynamic data is provided in response to a request for the notification by the consumer on the notification device.
wherein the notification sent to the notification device includes at least one of a phone call, voicemail, short message service (SMS), instant message (IM), or email.
7. A method of claim 1, wherein the dynamic data is based on a transaction conducted using the portable consumer device at an access device located at a merchant.
8. The method of claim 1, wherein the notification device sends a request for the notification to a notification server in operative communication with a payment processing network.
9. A method of claim 1, wherein the notification device and the portable consumer device are separate devices.
a notification server, comprising a processor and a computer-readable medium, coupled to the payment processing network, the notification server configured to:
when a notification with dynamic data is triggered, retrieve the dynamic data from the payment processing network, wherein the dynamic data is associated with an account associated with a portable consumer device belonging to a consumer, wherein the portable consumer device comprises a payment device and a contactless transmitter; and
send the notification with the dynamic data to a notification device belonging to the consumer, wherein the notification with dynamic data is provided to the consumer and wherein the notification device includes a contactless receiver,
wherein the notification with dynamic data is triggered by placing the notification device near the portable consumer device such a contactless signal is sent from the contactless transmitter on the portable consumer device to the contactless receiver on the notification device.
11. The system of claim 10, wherein the notification server is further configured to:
wherein the dynamic data is based on an amount of a transaction being conducted.
13. The system of claim 10, wherein the dynamic data is based on an amount of rewards available for redemption after a transaction.
14. A system of claim 13, wherein the transaction is a most recent transaction.
when a notification with dynamic data is triggered, retrieving the dynamic data associated with an account associated with a portable consumer device belonging to a consumer; and
sending the notification with the dynamic data to a notification device belonging to the consumer, wherein the notification with the dynamic data is provided to the consumer,
wherein the portable consumer device comprises a payment device and a contactless transmitter,
wherein the notification is triggered by placing the notification device near the portable consumer device such a contactless signal is sent from the contactless transmitter on the portable consumer device to the contactless receiver on the notification device.
16. A method of claim 15, wherein the dynamic data is a real-time balance update.
17. A method of claim 15, wherein the dynamic data is a real-time rewards information update.
19. A method of claim 15, wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.
20. A method of claim 15, wherein the notification with the dynamic data is provided to consumer on a display of the notification device.
22. A method of claim 15, wherein the dynamic data is based on an amount of a transaction and the transaction occurs at an access device located at a merchant.
23. A non-transitory computer-readable medium, executable by a processor, for performing a method comprising the steps of:
when a notification with dynamic data is triggered, retrieving the dynamic data associated with an account associated with a portable consumer device belonging to a consumer;
sending the notification with the dynamic data to a notification device belonging to the consumer, wherein the notification with the dynamic data is provided to the consumer; and
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