Systems and methods to provide messages in real-time with transaction processing

US8407148B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Jeanette Yoder · San Mateo, US
• Leigh Amaro · Woodside, US
• Ryan Hagey · Alameda, US
• Derek A. Vroom · San Mateo, US
• Michael Steven Bankston · Oakland, US

Key dates

• Filing date: Oct 19, 2011
• Grant date: Mar 26, 2013
• Expiry date: Oct 19, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F9/009
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.