Multiple channel optimization for transaction messages

1. An alerts messaging system comprising:

a database comprising alert data including information related to one or more delivery channels; and

a server computer coupled to the database, wherein the server computer comprises a processor and a non-transitory computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising:

receiving transaction data for a transaction;

accessing the database comprising the alert data;

dynamically selecting a delivery channel based on the alert data and a set of criteria, wherein the set of criteria comprises user device reach-ability and delivery channel cost criteria; and

generating an alert message,

wherein receiving the transaction data for the transaction, accessing the database comprising the alert data, dynamically selecting the delivery channel based on the alert data and the set of criteria, and generating the alert message are performed by one or more software applications stored in the computer-readable medium.

2. The system of claim 1 , wherein the set of criteria is not configured by a user.

3. The system of claim 1 , wherein the alert message is formatted based on the selected delivery channel.

4. The system of claim 3 , wherein the alert message is formatted in accordance with a compact protocol.

5. The system of claim 1 , wherein the alert message includes information regarding a total number of transactions in which alert messages were sent to a user.

6. The system of claim 1 , wherein the alert message includes information regarding a total number of alert messages sent to a user through the selected delivery channel.

7. The system of claim 1 , wherein the alerts messaging system is coupled to a payment processing network having an enrollment database that contains a list of account numbers that are enrolled in a messaging service.

8. The system of claim 7 , wherein if an authorization request is received by the payment processing network for an account number enrolled in the messaging service, the transaction data is sent to the server computer.

9. A method comprising:

receiving transaction data for a transaction;

accessing a database comprising alert data including information related to one or more delivery channels;

dynamically selecting a delivery channel based on the alert data and a set of criteria, wherein the set of criteria comprises user device reach-ability and delivery channel cost criteria; and

generating an alert message,

wherein receiving the transaction data for the transaction, accessing the database comprising the alert data including the information related to one or more delivery channels, dynamically selecting the delivery channel based on the alert data and the set of criteria, and generating the alert message are performed by one or more software applications stored in one or more non-transitory computer-readable media in a server computer.

10. The method of claim 9 , wherein selecting the delivery channel comprises determining a current location of a user device.

11. The method of claim 9 , wherein selecting the delivery channel comprises determining the availability of a user device through the delivery channel.

12. The method of claim 9 , further comprising sending the alert message to a user device through the selected delivery channel.

13. The method of claim 9 , wherein the alert message includes content based on the selected delivery channel.

14. The method of claim 9 , wherein the alert data further includes user device characteristics; and

wherein the alert message is formatted based on the user device characteristics.

15. A method comprising:

performing a transaction associated with an account identifier of a user; and

receiving a first alert message at a user device through a delivery channel;

wherein the first alert message is generated by a server computer coupled to a database;

wherein the database comprises alert data including information related to one or more delivery channels;

wherein the server computer dynamically selects the delivery channel based on the alert data and a set of criteria, wherein the set of criteria comprises user device reach-ability and delivery channel cost criteria; and

wherein the server computer further receives transaction data for the transaction, accesses the database, and generates the first alert message, wherein functions of the server computer are performed by one or more software applications stored in one or more non-transitory computer-readable media in the server computer.

16. The method of claim 15 , wherein the first alert message is formatted based on the delivery channel.

17. The method of claim 16 , wherein the first alert message is in a compact protocol format.

18. The method of claim 17 , further comprising generating a second alert message at the user device wherein the second alert message is generated based on the first alert message.

19. The system of claim 6 , wherein a total alerts counter is used to track the total number of alert messages sent, and the total alerts counter is incremented for each alert message that is sent.

20. The system of claim 6 , wherein a total alerts counter is used to track the total number of alert messages sent, and the total alerts counter is incremented for each transaction in which one or more alert messages are sent.

21. The method of claim 9 , wherein the one or more delivery channels include a web service, and the method further comprises:

determining if a user is logged on to the web service; and

delivering the generated alert message through the web service if the user is logged on to that web service.