Automatic Benefit Distribution via Transaction Data Intermediary
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Solution Overview
Problem
Existing systems for distributing transaction-related benefits are inefficient and cumbersome, often discouraging users from participating due to complex processes and lack of awareness about eligibility requirements, leading to reduced efficacy in benefit distribution.
Innovation Solution
A system that automatically distributes transaction-related benefits by receiving transaction details from a transaction processing network, identifying an appropriate benefit provider, and crediting the benefit amount directly to the user's account, eliminating the need for manual claims and complex processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If manual benefit distribution processes are used, then benefit distribution can be controlled and verified, but the process becomes inefficient and cumbersome, discouraging users from participating
Solution Approach 1:
The system enables automatic self-service benefit distribution where the benefit processor server automatically identifies eligible transactions, determines benefit amounts, and credits benefits to user accounts without requiring manual intervention from users or merchants. The system serves itself by autonomously processing benefit distribution based on transaction data and eligibility rules.
Solution Approach 2:
The patent replaces manual mechanical processes (physical forms, mailings, manual verification) with an automated electronic system that uses computer servers, databases, and electronic communications to process benefit distribution. The mechanical system of manual claim processing is substituted with an automated information processing system.
2Ease of operation
If automatic benefit distribution is implemented, then user participation is encouraged and efficiency is improved, but the system requires complex integration with transaction processing networks and benefit providers
Solution Approach 1:
The benefit processor server acts as an intermediary between the transaction processing network and benefit providers. It receives transaction details from the network, processes eligibility determination, and communicates with benefit providers to distribute benefits. This intermediary role simplifies the overall system architecture by centralizing the complex integration logic in a single server component.
Solution Approach 2:
The benefit processor server performs multiple functions within a single system: receiving transaction details, identifying benefit providers, providing subset of transaction details, determining benefit amounts, and initiating credit requests. This multi-functionality reduces the need for separate dedicated systems for each function, thereby reducing overall integration complexity.
3Measurement precision
If detailed eligibility verification is performed, then benefit distribution accuracy is improved, but the process time increases and user awareness requirements are not met
Solution Approach 1:
The system performs preliminary eligibility verification by automatically analyzing transaction details against predefined eligibility rules at the time of transaction processing. Benefit eligibility is determined in advance before the user needs to claim, eliminating the need for post-purchase verification and reducing processing time. The system proactively identifies eligible transactions and prepares benefit distributions ahead of time.
Data Source
AI summary
Described herein are systems and techniques for providing automatic distribution of transaction-related benefits to an account used to conduct a transaction. In certain embodiments, the system receives transaction details from a transaction processing network as transactions are conducted. The system determines an appropriate benefit provider for a transaction conducted from an account and provides a subset of transaction details to that benefit provider. The benefit provider compares the subset of transaction details to a set of limited transaction details received from a resource provider to identify the transaction and determine a benefit amount, if any, for which the transaction qualifies. The benefit provider then provides the benefit amount to the system, which then causes the transaction processing network to credit the account the benefit amount.