Mobile Banking Workflow Automation Through Conditional App Interfaces
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Solution Overview
Problem
Existing retail banking applications lack automation capabilities, requiring users to perform repetitive tasks manually, leading to user dissatisfaction and loyalty issues.
Innovation Solution
Integrate enhanced user interface screens within mobile banking applications to allow users to create custom workflows with conditional actions, leveraging geolocation, account, transaction, and time-based conditions, and interact with third-party services to automate tasks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual task execution is implemented in retail banking applications, then users can perform tasks step-by-step with full control, but user satisfaction decreases and customer loyalty weakens due to repetitive manual interventions
Solution Approach 1:
The system performs preliminary actions by automatically executing routine banking tasks (transfers, bill payments, balance checks) based on pre-configured triggers and conditions, eliminating the need for users to manually perform these repetitive operations and thereby improving both ease of operation and customer loyalty
Solution Approach 2:
The application implements self-service automation where the system autonomously monitors account conditions, evaluates trigger events, and executes appropriate actions without requiring continuous user intervention, allowing users to benefit from automated task management while maintaining full control over the configured workflows
2Productivity
If automation capabilities are added to retail banking applications, then repetitive tasks can be automated, but the system complexity increases
Solution Approach 1:
The automation system is segmented into distinct modular components: trigger detection modules that monitor specific events, condition evaluation modules that assess predefined criteria, and action execution modules that perform tasks. This segmentation allows the system to achieve high automation efficiency while managing complexity through clear separation of concerns and independent, reusable components
Solution Approach 2:
The patent implements universal automation workflows that can handle multiple banking tasks (transfers, bill payments, balance inquiries, notifications) through a single unified system architecture. The same core automation engine processes different task types by varying the configured parameters and action definitions, thereby achieving high productivity without proportionally increasing system complexity
3Adaptability or versatility
If custom workflows are created with multiple conditions and actions, then automation capability increases, but the interface complexity and user input requirements increase
Solution Approach 1:
The workflow creation interface implements dynamic adaptability where the displayed fields, conditions, and action options change based on the user's progress through the workflow definition process and the specific task type being configured. The interface dynamically simplifies or expands complexity only when necessary, maintaining ease of use while supporting highly customizable workflows
Solution Approach 2:
The system performs preliminary actions by providing pre-configured templates for common banking workflows (e.g., automatic bill payment when balance is low, transfer when specific transaction detected). Users can start with these pre-defined templates and customize them as needed, rather than building workflows from scratch, thereby achieving high versatility without requiring users to navigate complex interface options
Data Source
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AI summary
An existing enterprise service accessed via an enterprise mobile application is enhanced to extend features and functions of the enterprise service through the user interface of the enterprise mobile application. A user interacts with the user interface to define custom workflows with conditions and actions that are automatically performed responsive to the conditions being satisfied. The custom workflows thereby extend features and functions of the enterprise service because such workflows and conditionally triggered actions were unsupported by the existing enterprise service. The workflows can also integrate third-party services that are not integrated with the existing enterprise service.