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.

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.

Emergency alert systems and methods for disabled and/or differently abled persons are disclosed. Upon receiving an alert message, the system translates the alert message to an audio message (text to speech) when the text to speech feature is enabled. In some implementations, the system waits for a threshold period of time (e.g., 30 seconds) to receive a user acknowledgment of the alert message, and translates the alert message to an audio message if no acknowledgment is received within this time. The user acknowledgment can be received via a selection of an option (e.g., by clicking an OK button) and/or via an audio option (e.g., by saying Ok, received) when the text to speech feature is enabled. The system then outputs (e.g., reads out loud) the translated message so that the disabled or differently abled persons can be informed of the emergency situation. After outputting the translated message, the system can further wait for a user acknowledgment of the translated audio message.

A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method comprising: a) receiving an authorization request message, wherein the authorization request message requests authorization to proceed with a transaction conducted between a first party and a second party using a portable device; b) analyzing the authorization request message by a server computer to determine if the portable device is enrolled in a transaction alert program; c) if the portable device is enrolled in the transaction alert program, sending a transaction alert request message to a third party requesting approval to proceed with the transaction; d) receiving a transaction alert response message from the third party; e) sending the authorization request message to an issuer associated with the portable device; f) receiving an authorization response message from the issuer; and g) sending the authorization response message to the second party.

Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.

Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.

Emergency alert systems and methods for disabled and/or differently abled persons are disclosed. Upon receiving an alert message, the system translates the alert message to an audio message (text to speech) when the text to speech feature is enabled. In some implementations, the system waits for a threshold period of time (e.g., 30 seconds) to receive a user acknowledgment of the alert message, and translates the alert message to an audio message if no acknowledgment is received within this time. The user acknowledgment can be received via a selection of an option (e.g., by clicking an OK button) and/or via an audio option (e.g., by saying Ok, received) when the text to speech feature is enabled. The system then outputs (e.g., reads out loud) the translated message so that the disabled or differently abled persons can be informed of the emergency situation. After outputting the translated message, the system can further wait for a user acknowledgment of the translated audio message.