ACTIONABLE ALERTS IN CORPORATE MOBILE BANKING

Title:

ACTIONABLE ALERTS IN CORPORATE MOBILE BANKING

Document Type and Number:

WIPO Patent Application WO/2009/140329

Kind Code:

A3

Abstract:

Techniques for alerting a client about a pending payment over a communication device by a financial institution are disclosed. The client is able to view the alert on a communication device and can reply to the alert with an answer on how to process the pending payment. A designated user can consequently respond to issues without having to call staff or to log into the business's computer system. The response sent through the communication device indicates the designated user's decision to the financial institution's payment system. The payment service determines whether an alerting message should be sent to a designated user based on at least one criterion based on a set of business rules. The designated user is authorized to approve or reject the pending payment. In response to the alerting message, the designated user returns a response that contains payment information and a one-time password.

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Inventors:

LAMAR JOE N III (US)
DATCHER SEAN (US)
STREET JOSH (US)
STOPA YOUNG MELINDA M (US)
WEST MIYOSHI L (US)

Application Number:

PCT/US2009/043702

Publication Date:

June 24, 2010

Filing Date:

May 13, 2009

Export Citation:

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Assignee:

BANK OF AMERICA (US)
LAMAR JOE N III (US)
DATCHER SEAN (US)
STREET JOSH (US)
STOPA YOUNG MELINDA M (US)
WEST MIYOSHI L (US)

International Classes:

G06Q40/00

Foreign References:

US20070174448A1	2007-07-26
US20070125840A1	2007-06-07
US20080085700A1	2008-04-10
US20020116329A1	2002-08-22
US20070250920A1	2007-10-25

Other References: