Patent ID: 8145566

Claim:
An at least partially server-implemented method for confirming a customer request for a transaction comprising: receiving, using a server, a high-risk transaction request associated with a customer; determining, using the server, the status of the customer as being either enrolled in a notification system or not enrolled in a notification system; if it is determined that the customer is enrolled in the notification system, ascertaining the customer's preferred method of notification, formulating an alert message including a transaction code and sending the alert message to the customer via the preferred method of notification; and if it is determined that the customer is not enrolled in the notification system, determining at least one method of notifying the customer, formulating an alert message including the transaction code and sending the alert message to the customer via the at least one identified method of notification; and requesting, using the server, entrance of the transaction code within a predetermined period of time in order to verify that the high-risk transaction request was made by the customer.