Two-Way Push Notification for Fraud Alert Validation
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Solution Overview
Problem
Traditional methods for notifying users of unusual activity events, such as SMS, are costly, vulnerable to impersonation, and require direct interaction with the mobile application, which can be cumbersome and insecure.
Innovation Solution
A two-way push notification system that allows users to respond to activity event alerts directly on their wireless device without needing to log in, using action buttons to validate or invalidate transactions, thereby enabling self-service fraud alerts and reducing the need for direct mobile application interaction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If SMS is used to notify users of unusual activity events, then the notification can be delivered fast and pervasively, but it incurs significant cost and legal restrictions
Solution Approach 1:
The patent uses push notifications as an intermediary communication channel between the system and user's mobile device. Instead of direct SMS communication, the system sends notifications through the mobile application's push notification service, which is then displayed to the user. This intermediary approach eliminates SMS costs while maintaining fast delivery, as push notifications are delivered through data channels already established by the mobile application.
2Ease of manufacture
If free-form SMS messaging is used, then the implementation is simple, but the user response may be unrecognizable and insecure
Solution Approach 1:
The patent segments the response process into structured components: the system sends a notification with specific activity details, and the user responds by selecting from predefined action buttons (e.g., 'Yes, it's me', 'No, it's not me'). This segmentation transforms unstructured free-form messaging into structured, recognizable responses while maintaining ease of use through simple button selections.
Solution Approach 2:
The patent changes the parameter of response format from unstructured text to structured selections. By offering predefined action buttons with specific meanings, the system transforms the response parameter from variable free-form text to controlled, recognizable options, ensuring reliable interpretation while keeping the interaction simple for users.
3Adaptability or versatility
If traditional SMS notification is used, then the delivery is pervasive, but it is vulnerable to impersonation and user uncertainty regarding authenticity
Solution Approach 1:
The patent employs the mobile application as an intermediary that provides authentication context. Push notifications are delivered through the authenticated mobile application environment, which inherently verifies the user's identity and device. This intermediary layer eliminates impersonation risks because the notification system can only communicate with authenticated users through their registered applications, while maintaining pervasive delivery through the widespread use of mobile devices.
4Reliability
If users must directly interact with the mobile application to respond to notifications, then security is improved, but the user experience becomes cumbersome
Solution Approach 1:
The patent implements self-service by allowing users to respond to notifications directly within the push notification interface without needing to manually open or navigate to the mobile application. The action buttons are embedded in the notification itself, enabling users to authenticate and respond through a simplified self-service process that maintains security through the authenticated notification channel while greatly improving ease of operation.
Data Source
AI summary
Aspects described herein relate a computer system detecting an unusual activity event from activity data and sending a two-way notification message to a wireless device when a user has opt-in for a mobile application. The two-way push notification message is received at a wireless device and notification information is displayed at the wireless device outside the mobile application. The user selects one of the displayed action buttons to indicate whether the unusual activity event is valid or invalid. When a response to the computer system indicates that the unusual activity is valid, the computer system clears the inquiry and sends a subsequent push notification message to the wireless device informing the user. When the response indicates that the unusual activity is invalid, the computer system and the wireless device may establish an interaction through the mobile application in order to resolve the unusual activity event.