Automatic Account Status Notification Delivery System

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Solution Overview

Problem

Current systems for providing account status notifications are cumbersome, requiring multiple operations for users to access and view updates, such as logging into online banking sites and opening applications.

Innovation Solution

A system and method that uses a processor to receive notification information based on notification rules and account data, identifying eligible devices and transmitting relevant information for visual, audible, or tactile indicators without user input, allowing for automatic presentation of account status updates.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional notification systems are used, then account status information can be provided, but users must perform multiple operations (logging in, opening applications) to access the information

Engineering Contradiction:
ImproveUser operation simplicityVSAvoidTime required to access notifications
Core Design Contradiction:
Ease of operationVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-configuring notification delivery methods and pre-establishing device eligibility criteria. When account status changes occur, the system immediately pushes notifications to pre-identified devices without requiring users to log in or navigate to specific applications, thus eliminating the need for multiple manual operations and reducing time loss.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The notification system operates autonomously by automatically identifying eligible devices, determining notification content based on account status, and delivering updates without user intervention. The system self-manages the entire notification lifecycle from trigger to delivery, freeing users from manual operations while maintaining timely information access.

Inventive Principle:
Principle #25Self-service

2Ease of operation

If automatic notification delivery is implemented, then user convenience is improved, but data restrictions and device eligibility management become more complex

Engineering Contradiction:
ImproveNotification access convenienceVSAvoidDevice eligibility identification complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The system segments device eligibility into distinct categories or tiers based on user-defined criteria. By dividing the device population into manageable segments (e.g., primary devices, secondary devices, restricted devices), the system simplifies the eligibility identification process while maintaining sophisticated control over notification delivery to different device types.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system dynamically adjusts notification delivery parameters based on device eligibility status and user preferences. By changing parameters such as notification content, delivery timing, and channel selection according to device characteristics and user configurations, the system manages complexity through adaptive parameter adjustment rather than rigid fixed rules.

Inventive Principle:
Principle #35Parameter changes

3Loss of information

If comprehensive account information is transmitted to devices, then information completeness is improved, but data security and user privacy control are compromised

Engineering Contradiction:
ImproveAccount information completenessVSAvoidData restriction adherence
Core Design Contradiction:
Loss of informationVSReliability

Solution Approach 1:

The system applies local quality by customizing notification content specifically for each eligible device based on user-defined data restrictions. Instead of uniform information delivery, the system adjusts the quality and type of information transmitted to match individual device capabilities and user privacy preferences, ensuring both information relevance and data security for each device-context.

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The system implements partial action by selectively transmitting only the necessary portion of account information to each device based on eligibility criteria and user restrictions. Rather than providing comprehensive information universally, the system delivers tailored information sets that balance completeness with security, transmitting sufficient data for informed decision-making while excluding sensitive information from ineligible devices.

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS11475512B2Systems and methods for providing balance notifications to connected devices
Publication Date: 2022.10.18 THE TORONTO DOMINION BANK
  • US11475512B2 patent drawing
  • US11475512B2 patent drawing
  • US11475512B2 patent drawing

AI summary

The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.