Alert prioritization logic

摘要

A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.

主权项

1. An alerts messaging system comprising:
a database comprising alert triggers; and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising:
providing an alert triggers selection and prioritization interface to allow a user to select a plurality of the alert triggers and to set a priority value for each of the alert triggers;receiving an authorization request message from an access device for a payment transaction that satisfies multiple alert triggers including a first alert trigger and a second alert trigger, the authorization request message including at least first transaction data satisfying the first alert trigger associated with a first priority value and second transaction data satisfying the second alert trigger associated with a second priority value;accessing the database comprising the alert triggers;determining, for the payment transaction, priority values corresponding to the multiple alert triggers satisfied by the payment transaction;determining a priority of the multiple alert triggers based on the priority values corresponding to the multiple alert triggers; andperforming additional processing based on the priority of the multiple alert triggers including:
generating one or more alert messages based on the priority of the alert triggers;dynamically selecting an alternate delivery channel that is different than a user-configured default delivery channel assigned to the priority of the alert triggers, the alternate delivery channel being dynamically selected based on reachability of a user device and delivery channel cost associated with the alternate delivery channel; andsending one or more of the generated alert messages to the user device via the alternate delivery channel, the one or more of the generated alert messages including a count of a total number of transactions that have caused an alert message to be sent.