Activity-Based Transaction Value Alteration System
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Solution Overview
Problem
Conventional incentive systems for purchases are limited to specific resource providers and do not encourage users to engage in activities that benefit themselves or others, failing to incorporate user activity metrics to alter transaction values.
Innovation Solution
A system and method that utilize user activity metrics, such as calories expended, to alter transaction values, encouraging specific activities unrelated to past purchasing behavior by integrating activity data into the transaction process through a network of devices and servers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If conventional incentive systems are used, then users receive discounts for past purchasing behavior, but the system cannot influence users to engage in activities that benefit them or others
Solution Approach 1:
The system is extended to accept multiple types of input data beyond traditional purchasing behavior. It now processes activity metrics from wearable devices, mobile devices, and other sources, allowing the same incentive system to reward both消费 behavior and health/activity behavior through a unified platform
Solution Approach 2:
Activity metrics serve as an intermediary between user behavior and transaction incentives. The system collects activity data through intermediaries like wearable devices and mobile applications, processes this data through activity computers, and translates it into transaction value alterations, bridging the gap between physical activity and commercial transactions
2Ease of operation
If activity metrics are incorporated to alter transaction values, then users are encouraged to perform specific activities, but the system complexity increases
Solution Approach 1:
The system is divided into distinct functional modules: activity computers that collect and process activity metrics, transaction computers that handle purchase transactions, and incentive computers that calculate value alterations. This segmentation allows each component to specialize in specific tasks, managing overall system complexity through modular architecture
Solution Approach 2:
The system automatically collects activity data from wearable devices and mobile applications without requiring manual user input. Activity metrics are automatically tracked, processed, and applied to transactions, reducing the operational burden on users while maintaining system sophistication
3Reliability
If user activity data is used to provide incentives, then non-transactional user benefits are promoted, but privacy concerns may arise
Solution Approach 1:
The system extracts only the specific activity metrics needed for incentive calculation from the vast amount of data generated by wearable devices and mobile applications. It processes only the relevant portions of user data (such as step counts, calories burned, or activity duration) rather than accessing or storing comprehensive personal information, thereby reducing privacy risks while maintaining incentive reliability
Data Source
AI summary
A method is disclosed. The method includes receiving an authorization request message for a transaction from an access device. The authorization request message includes a value and an account identifier. The user device is used by a user to conduct a transaction with the resource provider. The method also includes determining an activity metric associated with the user of the user device, determining a value alteration based at least in part on the activity metric, and applying the value alteration to the value for the transaction.