公开(公告)号：US20120084164A1

公开(公告)日：2012-04-05

申请号：US12895208

申请日：2010-09-30

申请人： Ayman Hammad ,  Francisco Oliva ,  Uzma Makhdumi ,  Pat Stan ,  Lori Van Deloo ,  Allen Cueli

发明人： Ayman Hammad ,  Francisco Oliva ,  Uzma Makhdumi ,  Pat Stan ,  Lori Van Deloo ,  Allen Cueli

IPC分类号： G06Q20/00

CPC分类号： G06Q20/202 ,  G06Q20/3221 ,  G06Q20/405

摘要： Systems and methods for defining, observing and detecting transactions that initiate an alert message to be sent to one or more users are disclosed. Aggregate threshold, number of transactions and proximity to reward types of alert messages and alert criteria can be defined or selected by users, merchants, and issuers. Alert messages can be sent based on aggregating transaction data from an observed transaction with information from historical transactions, such as credit card transactions. If the aggregated transaction data associated with the transactions match any of the alert criteria, then alert messages can be sent to one or more users. An alert message may include information from the alert trigger as well as the aggregated transaction data.

摘要翻译： 公开了用于定义，观察和检测发起要发送给一个或多个用户的警报消息的事务的系统和方法。 可以由用户，商家和发行人定义或选择聚合阈值，交易数量和接近报警信息的报酬类型和报警标准。 可以基于来自观察的交易的交易数据汇总来自历史交易的信息（例如信用卡交易）发送警报消息。 如果与事务相关联的聚合事务数据与任何警报标准相匹配，则可以向一个或多个用户发送警报消息。 警报消息可以包括来自警报触发器的信息以及聚合的事务数据。