IM Session Computerized Agent for Financial Transaction Analysis
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Solution Overview
Problem
Existing financial transaction systems lack the ability to seamlessly integrate financial transactions within instant messaging sessions, making it inconvenient for users to perform transactions through messaging platforms.
Innovation Solution
A method and system that allow a computerized agent representing a transaction performing entity to be added to an instant messaging (IM) session, enabling the agent to analyze user instructions, perform financial transactions, and provide transaction status updates within the IM session.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If financial transaction systems use traditional separate platforms (banks, payment processors), then transaction reliability is maintained, but user convenience and ease of operation deteriorate due to needing to switch between applications
Solution Approach 1:
The patent merges the financial transaction system with the instant messaging service by integrating a transaction module into the IM server. This allows users to perform financial transactions directly within the IM application without switching to separate banking or payment platforms, thereby improving ease of operation while managing integration complexity through unified system architecture.
Solution Approach 2:
The instant messaging application is enhanced with multi-functionality by incorporating both communication features and financial transaction capabilities. The IM server acts as a universal platform that handles both messaging and financial operations, eliminating the need for separate dedicated applications and improving user convenience.
2Ease of operation
If the IM service directly processes financial transactions, then ease of operation improves, but system reliability and security may deteriorate due to increased attack surface and operational complexity
Solution Approach 1:
The patent introduces an agent as an intermediary component between the IM service and the financial transaction processing. The agent receives user instructions from the IM session, analyzes them, and forwards appropriate transaction requests to external financial institutions or payment processors. This intermediary layer maintains reliability by leveraging established financial systems while enabling convenient in-IM transaction initiation.
Solution Approach 2:
The system segments financial transaction processing into distinct functional modules: the IM service handles user interaction, the agent handles instruction analysis and coordination, and external financial systems handle actual transaction execution. This segmentation allows each component to specialize in its function, maintaining reliability while improving ease of operation.
3Ease of operation
If natural language processing is used to analyze user instructions, then ease of operation improves, but measurement precision and instruction accuracy may deteriorate due to ambiguity in natural language
Solution Approach 1:
The agent implements feedback mechanisms by analyzing natural language instructions from users and responding with clarification questions or confirmation requests when instructions are ambiguous. The system provides feedback to users about how their instructions will be interpreted and seeks confirmation before executing transactions, thereby improving accuracy while maintaining the convenience of natural language input.
Data Source
AI summary
A method of adding a computerized agent to an instant messaging (IM) session managed by an IM service for identifying automatically textual instructions to perform a transaction related to participant(s) of the IM session, comprising: using a computerized agent subscribed to an IM service by a telephone number and participates in an IM session managed by an IM service to acquire text content in an IM session and analyzing at least the text content of the IM session to identify automatically textual instructions to perform a transaction from the user which uses the IM client module, automatically instructing an operation of the transaction and submitting by the computerized agent at least one IM message in the IM session.