US5530438A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method of providing an alert of a financial transaction
Assignee: Google Technology Holdings LLC
•
Filing: 1995-01-09
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Granted: 1996-06-25
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Expires: 2015-01-09
Abstract
Abstract A radio system user (126) is alerted (129) as to the occurrence of a financial transaction by a customer (118). Data (122) is obtained from the customer (118) and used to identify a radio system user (126), who is authorized to conduct the financial transaction. A message, indicative of the financial transaction, is automatically provided to a radio system and broadcast (129) to the radio system user (126), thereby alerting the user (126) to the financial transaction.
Inventors
- 👤 Richard S. Bickham
- 👤 Robert W. Furtaw
- 👤 Joseph G. Schultz
- 👤 Arun Sobti
- 👤 Kenneth J. Zdunek
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-26 20:56
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/38; G06Q20/42; G06Q20/08; G06Q20/20; G06Q20/382; G06Q20/40; G06Q20/403; G06Q20/425; G06Q40/00; G06Q40/04; G07; G07F; G07F7/00; G07F7/08
Claims Analysis
Total Claims: 30
Claim 1
Independent Claim
97 words
A method of providing an alert of a financial transaction, comprising: obtaining at least some identifying data from a customer who seeks to engage in a financial transaction; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a message indicative of the financial transaction to at least a first radio system; and automatically broadcasting from at least the first radio system a message to the radio system user, such that the radio system user will be alerted to the financial transaction.
Claim 2
Independent Claim
97 words
A method of providing an alert of a financial transaction, comprising: obtaining at least some identifying data from a customer who seeks to engage in a financial transaction; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a message indicative of the financial transaction to at least a first radio system; and automatically broadcasting from at least the first radio system a message to the radio system user, such that the radio system user will be alerted to the financial transaction.
Claim 3
Dependent Claim
27 words
The method of claim 1, wherein the step of obtaining at least some identifying data from a customer includes the step of obtaining a credit account number.
Claim 4
Dependent Claim
27 words
The method of claim 1, wherein the step of obtaining at least some identifying data from a customer includes the step of obtaining a debit account number.
Claim 5
Dependent Claim
57 words
The method of claim 1, wherein the step of using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction includes the step of: using the at least a part of the identifying data to determine a unique personal identifier for the radio system user.
Claim 6
Dependent Claim
49 words
The method of claim 4, wherein the step of using the at least a part of the identifying data to determine a unique personal identifier for the radio system user includes the step of determining a unique personal identifier comprising a social security number for the radio system user.
Claim 7
Dependent Claim
102 words
The method of claim 1, wherein the steps of using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction and of automatically providing a message indicative of the financial transaction to at least a first radio system include the steps of: providing the at least a part of the identifying data to a database, which database has information regarding the radio system user, such that the radio system user can be identified; and providing information regarding the radio system user so identified to at least the first radio system.
Claim 8
Dependent Claim
103 words
The method of claim 1, wherein the steps of using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction and of automatically providing a message indicative of the financial transaction to at least a first radio system include the steps of: providing the at least a part of the identifying data to at least the first radio system; and providing the at least a part of the identifying data to a database, which database has information regarding the radio system user, such that the radio system user can be identified.
Claim 9
Dependent Claim
53 words
The method of claim 1, wherein the step of automatically providing a message indicative of the financial transaction to at least a first radio system includes the step of automatically providing a message to at least the first radio system indicative of an amount of money that is involved in the financial transaction.
Claim 10
Dependent Claim
50 words
The method of claim 1, wherein the step of automatically providing a message indicative of the financial transaction to at least a first radio system includes the step of automatically providing a message to at least the first radio system indicative of at least a date of the financial transaction.
Claim 11
Dependent Claim
55 words
The method of claim 1, wherein the step of automatically providing a message indicative of the financial transaction to at least a first radio system includes the step of automatically providing a message to at least the first radio system indicative of at least a date and a time of day of the financial transaction.
Claim 12
Dependent Claim
53 words
The method of claim 1, wherein the step of automatically providing a message indicative of the financial transaction to at least a first radio system includes the step of automatically providing a message to at least the first radio system indicative of at least one location that is pertinent to the financial transaction.
Claim 13
Dependent Claim
20 words
The method of claim 1, and further including the step of receiving from the radio system user a user message.
Claim 14
Dependent Claim
42 words
The method of claim 12, wherein the step of receiving from the radio system user a user message includes the step of receiving, via the at least a first radio system, a user message comprising an approval message for the financial transaction.
Claim 15
Dependent Claim
23 words
The method of claim 13, and further including the step of using the approval message to further direct completion of the financial transaction.
Claim 16
Dependent Claim
43 words
The method of claim 1, wherein the step of automatically broadcasting from at least the first radio system a message to the radio system user includes the step of automatically broadcasting, pursuant to a predetermined schedule, the message to the radio system user.
Claim 17
Dependent Claim
40 words
The method of claim 15, wherein the step of automatically broadcasting, pursuant to a predetermined schedule, includes the step of automatically broadcasting, pursuant to a predetermined schedule selected by the radio system user, the message to the radio system user.
Claim 18
Independent Claim
115 words
A method of providing an alert of a financial transaction, comprising: obtaining at least some identifying data from a customer who seeks to engage in a financial transaction; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a message indicative of the financial transaction to at least a first radio system; automatically broadcasting from at least the first radio system a message to the radio system user, which message includes information specific to the financial transaction, such that the radio system user will be alerted to the financial transaction; and receiving from the radio system user a user message.
Claim 19
Independent Claim
115 words
A method of providing an alert of a financial transaction, comprising: obtaining at least some identifying data from a customer who seeks to engage in a financial transaction; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a message indicative of the financial transaction to at least a first radio system; automatically broadcasting from at least the first radio system a message to the radio system user, which message includes information specific to the financial transaction, such that the radio system user will be alerted to the financial transaction; and receiving from the radio system user a user message.
Claim 20
Dependent Claim
71 words
The method of claim 17, wherein the step of automatically broadcasting from at least the first radio system a message to the radio system user includes the step of automatically broadcasting from at least the first radio system a message to the radio system user, which message includes information specific to the financial transaction, including at least an indication of an amount of money that is involved in the financial transaction.
Claim 21
Dependent Claim
42 words
The method of claim 17, wherein the step of receiving from the radio system user a user message includes the step of receiving, via the at least a first radio system, a user message comprising an approval message for the financial transaction.
Claim 22
Dependent Claim
23 words
The method of claim 19, and further including the step of using the approval message to further direct completion of the financial transaction.
Claim 23
Independent Claim
112 words
A method of conducting a financial transaction, comprising: obtaining at least some identifying data from a purchaser's financial transaction device at a point of sale; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a message indicative of the financial transaction to at least a first radio system; broadcasting from at least the first radio system a message to the radio system user, such that the radio system user will be alerted to the financial transaction; receiving from the radio system user a user message; and using the user message to further direct the financial transaction.
Claim 24
Independent Claim
112 words
A method of conducting a financial transaction, comprising: obtaining at least some identifying data from a purchaser's financial transaction device at a point of sale; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a message indicative of the financial transaction to at least a first radio system; broadcasting from at least the first radio system a message to the radio system user, such that the radio system user will be alerted to the financial transaction; receiving from the radio system user a user message; and using the user message to further direct the financial transaction.
Claim 25
Dependent Claim
34 words
The method of claim 21, wherein when the user message comprises an approval, the step of using the user message to further direct the financial transaction includes the step of completing the financial transaction.
Claim 26
Dependent Claim
36 words
The method of claim 21, wherein when the user message comprises a disapproval, the step of using the user message to further direct the financial transaction includes the step of denying completion of the financial transaction.
Claim 27
Independent Claim
176 words
A method of providing an alert of a financial transaction, comprising: obtaining at least some identifying data from a customer who is at a first location and who seeks to engage in a financial transaction, including obtaining information at the first location regarding at least one physical characteristic of the customer; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a first message indicative of the financial transaction to at least a first radio system, which first message at least includes some information regarding the at least one physical characteristic; and automatically broadcasting from at least the first radio system a second message to the radio system user, which second message at least includes some information regarding the at least one physical characteristic, such that the radio system user will be alerted to the financial transaction and will be further provided with information regarding the at least one physical characteristic of the customer seeking to engage in the financial transaction.
Claim 28
Independent Claim
176 words
A method of providing an alert of a financial transaction, comprising: obtaining at least some identifying data from a customer who is at a first location and who seeks to engage in a financial transaction, including obtaining information at the first location regarding at least one physical characteristic of the customer; using at least a part of the identifying data to identify a radio system user who is authorized to conduct the financial transaction; automatically providing a first message indicative of the financial transaction to at least a first radio system, which first message at least includes some information regarding the at least one physical characteristic; and automatically broadcasting from at least the first radio system a second message to the radio system user, which second message at least includes some information regarding the at least one physical characteristic, such that the radio system user will be alerted to the financial transaction and will be further provided with information regarding the at least one physical characteristic of the customer seeking to engage in the financial transaction.
Claim 29
Dependent Claim
55 words
The method of claim 24, wherein the step of obtaining at least some identifying data from a customer, including obtaining information at the first location regarding at least one physical characteristic of the customer, includes the step of obtaining information at the first location regarding physical appearance of at least a portion of the customer.
Claim 30
Dependent Claim
20 words
The method of claim 24, and further including the step of receiving from the radio system user a user message.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1999-06-25 | 1999-12-25 | 2000-06-25 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2003-06-25 | 2003-12-25 | 2004-06-25 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2007-06-25 | 2007-12-25 | 2008-06-25 | $7700.00 | Window Closed / Lapsed |