Smart phone system and method

摘要

A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

主权项

1. A method comprising:
receiving, by a computer based application configured for handling a declined transaction, a passively pushed message in response to and substantially in concert with the declined transaction via a merchant point of sale system; selecting, by the computer based application, an option presented in the passively pushed message, wherein the option presented in the passively pushed message comprises providing payment on a transaction account, wherein the passively pushed message comprises a calculated minimum amount of information particular to the instant transaction to cure the declined transaction, wherein a transaction account holder transmits secure log-on information in order to make a payment to the transaction account; and receiving, by the computer based application, a response to the selection of the option, wherein the response instructs the transaction account holder to retry the transaction, wherein the transaction is authorized based on a transaction processor receiving a communication indicating that the transaction account holder submitted a valid payment via the computer based application, in response to the option presented in the passively pushed message.