Patent ID: 8615438

Claim:
A method comprising: sending, using a server computer, a transaction notification message to a user after a transaction is attempted on a joint account by an unauthorized person using an account identifier associated with a portable consumer device, wherein the user is a first accountholder of the account, wherein the transaction notification message is sent by the server computer after an, initiation of the attempted transaction; receiving a response indicator from the user that the attempted transaction is not authorized by the user; determining a time difference between a present time and a time that the transaction attempt occurred; comparing, using at least one processor operatively coupled with a memory, the time difference to a time threshold; based on whether the tune difference is within the time threshold, taking corrective authoritative action; receiving additional response indicators from other accountholders of the account that the transaction attempt is authorized or is not authorized; comparing a number of the response indicators that the transaction attempt was not authorized to a number of response indicators that the transaction attempt was authorized, the numbers of response indicators including the response indicator from the first accountholder, the response indicator from a second accountholder, and the additional response indicators from the other accountholders; determining whether first accountholder can veto a transaction on the account; and based on a determination that the number of response indicators indicating that the transaction attempt was authorized outvote the number of response indicators indicating that the transaction attempt was not authorized, and based on a determination that the first accountholder cannot veto a transaction on the account, sending a message to an authority to disregard a previously sent alert.