Contextual Post-Interaction Data Provisioning via Smart Transaction Cards
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Solution Overview
Problem
Existing computer systems and platforms struggle to efficiently and securely provide post-interaction data and services to users following payment transactions, particularly through smart transaction cards, lacking robust contextual analysis and secure data transfer mechanisms.
Innovation Solution
A computer-implemented method involving a server that receives interaction session data, defines user-specific and location-specific context parameters, and instructs a computing terminal to transmit post-interaction values to a smart transaction card, which then securely transfers this data to a user's device, optionally leveraging crowdsourcing when direct transmission is unavailable.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If direct transmission of post-interaction values is implemented, then data transfer efficiency is improved, but system reliability deteriorates when direct transmission is unavailable
Solution Approach 1:
The patent introduces a computing device as an intermediary between the personal transacting device and the user's computing device. When direct transmission is unavailable, the computing device receives post-interaction values from the personal transacting device and forwards them to the user's device, ensuring reliable data delivery through an alternative transmission path.
Solution Approach 2:
The system establishes multiple transmission paths in advance (direct transmission and intermediary transmission through computing device). When direct transmission fails, the pre-configured alternative path through the computing device can be activated immediately, maintaining system reliability without requiring complex real-time decision-making.
2Loss of information
If contextual analysis is performed to determine post-interaction values, then data relevance is improved, but processing complexity increases
Solution Approach 1:
The contextual analysis process is segmented into distinct components: extracting interaction data from the session message, analyzing user-specific context parameters, analyzing location-specific context parameters, and generating post-interaction values based on the combined context. This segmentation allows each component to be processed independently and efficiently.
Solution Approach 2:
The server automatically performs contextual analysis and generates post-interaction values without requiring manual intervention. The system self-services by using the interaction session message and context parameters to determine what data should be transmitted, reducing the need for complex external processing systems.
3Reliability
If secure data transfer mechanisms are implemented, then security is improved, but transmission speed deteriorates
Solution Approach 1:
The system applies security measures selectively based on the transmission path. For direct transmission, standard security protocols are applied. For intermediary transmission through the computing device, additional security validation is performed when the computing device forwards post-interaction values to the user's computing device, balancing security requirements with transmission efficiency.
Data Source
AI summary
Systems and methods of provisioning post-interaction values are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving an interaction session message from a computing terminal, the interaction session message comprising an identifying data of a personal transacting device; defining, based on an interaction session: i) a user-specific context parameter about the user, and ii) a location-specific context parameter about a physical location of the computing terminal; defining post-interaction values based on the user-specific context parameter and the location-specific context parameter; sending the post-interaction values to the computing terminal; instructing the computing terminal to transmit the post-interaction values to the circuitry of the personal transacting device; and sending an instruction to a computing device associated with the user to establish a second session between the personal transacting device and the computing device and transfer the post-interaction values to the computing device.