Identifier-Based Network Transactions With Automated Reward Matching
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Solution Overview
Problem
Managing multiple identifiers on a computing device for network transactions is complex due to diverse reward structures and changing benefits, leading to suboptimal usage and missed opportunities for users.
Innovation Solution
A network-connectable processor-enabled decision manager aggregates transaction data, uses language models to analyze transaction protocols, and recommends the most beneficial identifier for transactions based on user preferences and current context.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple identifiers are stored on a computing device for network transactions, then transaction options and versatility are improved, but device complexity and difficulty of managing identifiers increase
Solution Approach 1:
The system automatically selects and manages identifiers without requiring user intervention. The computing device autonomously determines which identifier to use for each transaction based on predefined criteria, eliminating the need for users to manually manage multiple identifiers while preserving transaction versatility.
Solution Approach 2:
An intermediary selection mechanism is introduced between the user and the identifiers. This mediator automatically matches transaction requirements with appropriate identifiers, simplifying the user experience while maintaining access to multiple transaction options through automated decision-making.
2Ease of operation
If users manually select identifiers for transactions, then control over transaction choices is improved, but time consumption and cognitive burden increase
Solution Approach 1:
The identifier selection process is automated to serve the user without requiring manual intervention. The system independently evaluates transaction requirements and selects appropriate identifiers, eliminating time consumption while preserving user control through transparent selection criteria that can be reviewed or modified by the user.
Solution Approach 2:
Selection criteria and identifier mappings are pre-configured in the system before transactions occur. This preliminary setup enables automatic identifier determination during transactions, eliminating real-time decision-making burden on users while maintaining control through configurable parameters that can be adjusted based on user preferences.
Data Source
AI summary
A system and method enables receiving by a computer system a plurality of identifiers respectively corresponding to a plurality of transaction fulfillment systems. A plurality of network locations are scanned to determine a plurality of transaction protocols respectively corresponding to the plurality of transaction fulfillment systems. One or more electronic transactions between a user and one or more of the plurality of transaction fulfillment systems are determined respectively based on one or more of the plurality of identifiers. The computer system detects an electronic transaction request. A particular identifier of the plurality of identifiers is determined based on the plurality of transaction protocols and the one or more electronic transactions, and the computer system initiates a first electronic transaction with a particular transaction fulfillment system of the plurality of transaction fulfillment systems based on the particular identifier to fulfill the electronic transaction request.