Automated Financial Information Delivery System
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Solution Overview
Problem
Existing systems for customer information management require users to inconveniently log in or make calls to access account information, limiting accessibility and efficiency in receiving personalized financial updates.
Innovation Solution
A personalized information collection and delivery system that creates user profiles with content and delivery rules, allowing for automated, location-based, and context-aware delivery of financial updates through various devices without the need for explicit login, using triggers like location and time to provide updates in formats such as podcasts or audio files.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users log in to access account information, then information security is improved, but user convenience deteriorates
Solution Approach 1:
The system automatically delivers personalized financial information to users without requiring them to log in or actively request it. The delivery engine proactively pushes updates to users' devices based on their profiles and preferences, allowing users to receive information passively while maintaining security through controlled access rules.
Solution Approach 2:
The system pre-configures user profiles with delivery rules and preferences in advance. When financial events occur, the system automatically matches these events against predefined rules and delivers relevant information without requiring real-time user input or authentication, thus improving convenience while maintaining security through pre-established access controls.
2Measurement precision
If users call representatives to request information, then information accuracy is improved, but time consumption increases
Solution Approach 1:
The system introduces an automated information delivery engine as an intermediary between the financial data sources and users. This engine automatically retrieves, processes, and delivers accurate financial information directly to users, eliminating the need for time-consuming phone calls to representatives while maintaining information accuracy through automated data retrieval from reliable sources.
Solution Approach 2:
The system replaces the mechanical process of manual phone calls with an automated electronic information delivery system. The automated engine retrieves and delivers financial information electronically, substituting the human-mediated phone call process with an efficient automated system that provides accurate information instantly without time loss.
3Adaptability or versatility
If personalized information is delivered through multiple channels, then user accessibility is improved, but system complexity increases
Solution Approach 1:
The system employs a universal information delivery engine that can push personalized financial information through multiple channels (push notifications, SMS, email, in-app messages) using a single unified platform. This multi-functional engine handles different delivery methods through standardized processes, improving user accessibility across devices while avoiding the complexity of separate systems for each channel.
Data Source
AI summary
Methods and systems described in this disclosure are directed to creating a profile for a user that includes information content rules and information delivery rules. Upon detecting a triggering event, a set of information is created for the user based on the information content rules. The information is delivered to the user according to the information delivery rules.