The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 24, 2015
Filed:
Jan. 09, 2008
Dave Wentker, San Francisco, CA (US);
Doug Deibert, Alameda, CA (US);
Gavin Shenker, Los Angeles, CA (US);
Erick Wong, San Francisco, CA (US);
Dave Wentker, San Francisco, CA (US);
Doug Deibert, Alameda, CA (US);
Gavin Shenker, Los Angeles, CA (US);
Erick Wong, San Francisco, CA (US);
Visa U.S.A. Inc., San Francisco, CA (US);
Abstract
System, methods, and apparatus provide account balance alerts for a mobile phone used to initiate a transaction when an account balance is close to a credit limit or close to zero or a minimum balance amount. When a consumer uses an account associated with a mobile phone to make a purchase, the account is checked to see if the purchase would result in an account balance within a predetermined threshold of the credit limit in the case of a credit account, or within a predetermined threshold of zero or a minimum balance, in the case of a debit account. If the threshold has been surpassed an account balance alert is automatically sent to the mobile phone. Since the mobile phone was just used for the transaction, the consumer is timely notified of the approach of the balance to the credit/debit limit and can take corrective action in a timely manner.