Contact Alert System for Payment Account Communication
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Solution Overview
Problem
Current transaction alert systems do not effectively allow different individuals associated with a payment account to quickly and easily communicate with each other regarding transactions.
Innovation Solution
A system and method for sending contact alert messages using a notification server computer and database, which generates and sends contact information of a first person conducting a transaction to a second person's notification device, enabling them to contact the first person promptly.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional transaction alert messages are sent to notify consumers of transactions, then consumers are informed of transaction details, but the messages do not enable quick and easy communication between different persons associated with the payment account
Solution Approach 1:
The alert message serves as an intermediary carrier that transmits contact information from the transaction conductor to the notification recipient. The message includes embedded contact details (phone number, email address) that enable direct communication between account persons without requiring separate contact management systems.
Solution Approach 2:
The transaction alert message performs multiple functions: it notifies the consumer of the transaction, provides transaction details, and simultaneously enables communication between account persons by including contact information. This multi-functionality eliminates the need for separate communication mechanisms.
2Loss of time
If contact information is included in alert messages to enable communication, then persons can contact each other quickly, but the system complexity increases
Solution Approach 1:
The contact information of the first person is pre-collected and stored in the database during account setup. When a transaction occurs, the system automatically retrieves and includes this pre-stored contact information in the alert message, eliminating the need for real-time contact information exchange and reducing system complexity.
Solution Approach 2:
The system automatically generates and sends the alert message with contact information without requiring manual intervention from account persons. The notification server computer autonomously retrieves contact data from the database, formats the message, and delivers it to the appropriate recipient.
3Speed
If real-time notification is implemented to enable contemporaneous communication, then communication speed improves, but the system requires more complex infrastructure
Solution Approach 1:
The system establishes a feedback loop where transaction data triggers automatic notification generation. When the payment card processing system records a transaction, it sends data to the notification server, which then automatically retrieves contact information and sends the alert message, creating a real-time feedback-driven communication system.
Data Source
AI summary
Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.