Automatic Travel Advisory Updates via Flight Reservation Triggers

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Solution Overview

Problem

Financial institutions face challenges in preventing fraudulent transactions when payment card holders travel, as existing systems often require manual intervention to unblock cards for use at different destinations, leading to potential delays and false positives.

Innovation Solution

A computer-based method and system that automatically updates travel advisories on payment card accounts based on changes in flight reservations, allowing authorized use at new destinations without manual intervention by establishing airline reservation modification trigger events and sending modified reservation information to the financial institution.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual intervention is required to unblock cards for use at different destinations, then fraudulent transactions can be prevented, but transaction delays and customer inconvenience increase

Engineering Contradiction:

Improvefraud preventionVSAvoidtransaction delay

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary action by automatically detecting flight reservation changes and proactively updating travel advisories before transactions occur. When a flight modification is detected, the system automatically sends updated travel advisory information to the financial institution, enabling pre-authorization for future transactions at the new destination without requiring manual customer intervention or causing transaction delays.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements feedback by continuously monitoring flight reservation databases for changes and automatically responding to these changes. When a reservation modification is detected, the system triggers an automatic update cycle that notifies the financial institution, creating a closed-loop system that maintains accurate travel advisory information without manual input while preventing fraudulent transactions.

Inventive Principle:

Principle #23Feedback

2Reliability

If manual updates of travel advisories are performed, then accurate fraud prevention is achieved, but operational complexity and resource requirements increase

Engineering Contradiction:

Improvetravel advisory accuracyVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system applies self-service by automatically monitoring flight reservation databases, detecting modifications, and triggering travel advisory updates without human intervention. The automated system queries the flight database, compares reservation changes, identifies affected customers, and sends notifications to financial institutions, thereby maintaining accurate travel advisory information while eliminating manual operational complexity.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system achieves universality by integrating multiple functions into a single automated platform: flight reservation monitoring, change detection, customer identification, advisory update generation, and financial institution notification. This multi-functional system maintains accurate travel advisories across multiple airlines and destinations without requiring separate manual processes for each function, thereby reducing overall system complexity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Speed

If automated systems monitor flight reservations continuously, then real-time travel advisory updates are provided, but computational resources and processing time increase

Engineering Contradiction:

Improveupdate speedVSAvoidcomputational resource consumption

Core Design Contradiction:

SpeedVSUse of energy by moving object

Solution Approach 1:

The system implements periodic action by monitoring flight reservations at scheduled intervals rather than continuously. The automated system queries the flight database at predetermined times, processes detected changes, and updates travel advisories accordingly. This periodic monitoring approach provides timely updates while significantly reducing computational resource consumption compared to continuous monitoring, as the system remains inactive between monitoring cycles.

Inventive Principle:

Principle #19Periodic action

Data Source

PatentUS11423338B2Computer-based systems configured for automatically setting modification trigger events in records of remote databases to receive automatic data updates

Publication Date: 2022.08.23 CAPITAL ONE SERVICES LLC

AI summary

A method may include receiving, by at least one processor associated with a financial institution, a purchase transaction information of a purchase of at least one airline ticket from a flight booking database. The purchase transaction information may be associated with an account of a payment card issued by a financial institution. A travel advisory may automatically be applied to the account of the payment card based on a first destination location and a first departure date of the at least one airline ticket. The at least one processor may establish an airline reservation modification trigger event in the flight booking database and may receive the modified airline reservation information from the flight booking database when the airline reservation information was modified. The travel advisory may be updated for the account of the payment card issued by the financial institution in accordance with the modified airline reservation information.