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.