Digital Wallet Token Location-Based Messaging
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Solution Overview
Problem
Current digital wallets lack the capability for location-based messaging, which could enhance user experience and commerce transactions by providing relevant messages or offers based on the user's proximity to specific locations such as pharmacies or doctors.
Innovation Solution
A system and method that utilizes a digital wallet on a user device with a location sensor to receive and analyze prescription drug claims data, generating tokens with rules for displaying messages when the device approaches a threshold distance from identified entities like prescribing doctors or dispensing pharmacies, allowing for location-based messaging.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If digital wallets are enhanced with location-based messaging capabilities, then user engagement and commerce transactions are improved, but device complexity and system requirements increase
Solution Approach 1:
The digital wallet token is enhanced to serve multiple functions: it not only stores payment information but also contains location-based messaging rules and triggers. This multi-functionality allows the same token structure to enable both commerce transactions and location-aware communications, improving adaptability without proportionally increasing complexity
Solution Approach 2:
A location sensor acts as an intermediary component that bridges the digital wallet and the physical environment. The sensor detects user proximity to locations and triggers messaging rules stored in the token, enabling location-based functionality through a dedicated intermediary rather than integrating all complexity directly into the wallet system
2Ease of operation
If location sensors and messaging rules are integrated into digital wallet tokens, then user experience is enhanced through targeted messaging, but the token structure and data processing requirements become more complex
Solution Approach 1:
The token structure is segmented into distinct functional components: payment information fields, location-based messaging rules, and trigger conditions. This segmentation allows the complex functionality to be organized into manageable sections, making the token easier to process while maintaining enhanced user experience through targeted messaging
Solution Approach 2:
Messaging rules and location thresholds are pre-configured within the token structure before use. This preliminary setup eliminates the need for real-time complex processing during messaging operations, simplifying the operational flow while enabling personalized user experiences through pre-established rules
Data Source
AI summary
A method includes receiving by a processor a prescription drug claim transaction data from a claims processor over a data communications network, analyzing the prescription drug claim transaction data by the processor, identifying by the processor from the prescription drug claim transaction data an entity selected from the group consisting of: prescribing doctor and dispensing pharmacy, determining by the processor a location of the entity, and generating by the processor a token for the digital wallet of the user device, the token includes rules for displaying a message in the user device when the user device passes to within a threshold distance of the location of the entity as detected by a location sensor of the user device. The rules cause display of the message in the user device when the user device passes to within a threshold distance of the location of the entity as detected by a location sensor of the user device.