Group Gift System Single-Action Contribution Automation

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Solution Overview

Problem

Existing methods for initiating and managing group gifts are inefficient, requiring multiple interactions and resources, and struggle with reconciling various payment modes into a single gift, while also taxing mobile device resources and network bandwidth.

Innovation Solution

A computer-based system that allows users to initiate group gifts by sending invitations via push notifications or text messages, enabling contributors to respond with a single action, automating the deduction of funds, and facilitating the purchase of physical gifts with remaining funds, while minimizing device and network resource usage.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If traditional group gift methods are used requiring multiple interactions and manual payment reconciliation, then users can contribute to group gifts, but the process becomes inefficient and consumes excessive user time and device resources

Engineering Contradiction:
Improvegroup gift process efficiencyVSAvoiduser interaction time
Core Design Contradiction:
ProductivityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by automatically sending invitations to potential contributors, pre-calculating contribution amounts, and preparing payment processing before users need to take action. This automation of preliminary tasks eliminates the need for users to manually coordinate with multiple people, significantly reducing interaction time and improving group gift creation efficiency

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system enables self-service by allowing users to contribute to group gifts through automated payment processing where their contributions are deducted automatically based on pre-determined amounts. The system also automatically reconciles payments and distributes funds, eliminating the need for manual payment collection and accounting by the gift initiator

Inventive Principle:
Principle #25Self-service

2Adaptability or versatility

If multiple payment modes are reconciled into a single group gift, then diverse contribution methods are supported, but the complexity of managing and reconciling payments increases

Engineering Contradiction:
Improvepayment mode flexibilityVSAvoidpayment reconciliation complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system introduces an intermediary payment processing layer that automatically mediates between diverse payment sources (credit cards, debit cards, bank accounts) and the group gift fund. This intermediary layer handles all reconciliation logic, currency conversions, and fund aggregation automatically, supporting multiple payment modes without increasing user-facing complexity

Inventive Principle:
Principle #24Intermediary (Mediator)

3Ease of operation

If push notifications and text messages are sent to mobile devices for group gift invitations, then user engagement is improved, but network bandwidth and mobile device resources are consumed

Engineering Contradiction:
Improveuser response convenienceVSAvoidmobile device resource consumption
Core Design Contradiction:
Ease of operationVSUse of energy by moving object

Solution Approach 1:

The system applies partial action by sending targeted notifications only to users who have previously indicated interest in group gifts or have relevant relationships with the initiator. Rather than notifying all contacts, the system selectively engages only those likely to contribute, reducing overall network traffic and device notification loads while maintaining high engagement rates

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS12093986B2Computer-based systems configured to provide actionable graphical user interfaces on different computing devices of different types
Publication Date: 2024.09.17 CAPITAL ONE SERVICES LLC
  • US12093986B2 patent drawing
  • US12093986B2 patent drawing
  • US12093986B2 patent drawing

AI summary

A method includes receiving a request to initiate a group gift indicating a gift date on which the group gift should be sent to a receiver of the gift. The method further includes determining, electronic devices to send invitations to contribute to the group gift and sending the invitations to the electronic devices. The invitations prompt a user to respond with a single action whether the user would like to contribute or not. The method further includes receiving responses from the electronic devices indicating an approval to contribute to the group gift or a refusal to contribute to the group gift. The method further includes initiating a physical gift purchase as part of the group gift and sending a message to a gift receiver electronic device that includes information about a monetary gift.