Abstract: Techniques for alerting a client about a pending payment over a communication device by a financial institution are disclosed. The client is able to view the alert on a communication device and can reply to the alert with an answer on how to process the pending payment. A designated user can consequently respond to issues without having to call staff or to log into the business's computer system. The response sent through the communication device indicates the designated user's decision to the financial institution's payment system. The payment service determines whether an alerting message should be sent to a designated user based on at least one criterion based on a set of business rules. The designated user is authorized to approve or reject the pending payment. In response to the alerting message, the designated user returns a response that contains payment information and a one-time password.

Abstract: A mobile monetary transfer approval process is provided that allows clients to approve or reject monetary transfer requests by utilizing the client's mobile device, such as a cellular telephone and/or personal digital assistant (PDA). From such a client mobile device, user may view pending outgoing and incoming payments and approve or reject them in real time. In addition, an alert may be sent to the client mobile device responsive to the monetary transfer request being initiated. This may allow the client using the client mobile device to know when it is appropriate to go through the approval process, rather than having to periodically check for new monetary transfer requests.