Patent ID: 8712912

Claim:
An apparatus for processing a payment transaction, comprising: an electronic processor programmed to execute a set of instructions; a data storage device coupled to the processor; and the set of instructions contained in the data storage device, wherein when the set of instructions are executed by the processor, the apparatus processes the payment transaction by receiving an authorization message for the payment transaction; processing the authorization message to determine if data contained in the message satisfies a condition specified by a consumer participating in the payment transaction for generating a transaction alert message regarding the payment transaction; generating the transaction alert message; providing the transaction alert message to the consumer participating in the payment transaction; receiving a request from the consumer for additional information regarding the payment transaction; processing the request from the consumer to determine the additional information regarding the payment transaction that can be provided to the consumer, wherein the additional information is information that is not included in the authorization message or in the transaction alert message; generating a response message comprising the additional information in response to the request from the consumer; and providing the response message comprising the additional information to the consumer.