Recurring Transaction Intermediary Notification System
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Solution Overview
Problem
Users face difficulties in unsubscribing from recurring services, as vendors are reluctant to facilitate this process, leading to users often being unaware of or missing deadlines for canceling subscriptions, especially with bankcard data-based payments.
Innovation Solution
A method and system that transmit messages to users with identification data for recurring transactions, allowing users to manage subscriptions by inserting transactions into a deferred processing database, processing based on user responses or deadlines, enabling tacit acceptance or rejection, and computing probable due dates for user control over payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the vendor has bankcard data to carry out payments, then the vendor can continue to obtain payment for services, but the user finds it difficult to unsubscribe from services
Solution Approach 1:
The patent introduces an intermediary notification system that mediates between the vendor's payment processing needs and the user's subscription management requirements. The system sends automated notifications to users before recurring transactions, allowing users to easily unsubscribe by responding to notifications rather than contacting the vendor directly. This intermediary layer preserves payment reliability while significantly improving unsubscribing ease.
Solution Approach 2:
The patent enables users to manage their own subscriptions through self-service mechanisms. Users receive notifications about upcoming recurring transactions and can unsubscribe by simply responding to these notifications (e.g., replying with a cancellation keyword). This self-service approach eliminates the need for users to contact vendors or navigate complex cancellation processes, thereby improving ease of operation while maintaining payment reliability for those who wish to continue subscriptions.
2Reliability
If the user must contact the vendor by mail by a predetermined due date to unsubscribe, then the vendor maintains control over subscription renewal, but the user often forgets to unsubscribe in time
Solution Approach 1:
The patent implements preliminary action by sending notifications to users before the predetermined due date for unsubscribing. These advance notifications remind users of upcoming recurring transactions and the deadline for cancellation, ensuring users are aware of their options in time to act. This preliminary communication prevents users from forgetting to unsubscribe, reducing loss of time while maintaining subscription renewal reliability for those who intend to continue.
Solution Approach 2:
The patent establishes a feedback loop where the system monitors subscription status and sends timely notifications to users about upcoming transactions and cancellation deadlines. This feedback mechanism ensures users receive critical information at the right moment, enabling them to make informed decisions about continuing or canceling subscriptions before the due date, thereby preventing time loss without compromising renewal reliability.
3Ease of operation
If the user communicates SEPA data instead of bankcard data, then the user can stop payment more easily by informing the bank, but the user must still write to the bank establishment and often discovers the direct debit only after it has gone through
Solution Approach 1:
The patent applies preliminary action by notifying users of upcoming SEPA direct debit transactions before they are executed. This advance notification allows users to discover transactions in advance rather than after they have gone through their bank accounts, giving them sufficient time to contact their bank to stop payments if desired, thereby reducing discovery time while maintaining ease of operation.
Solution Approach 2:
The patent implements feedback by providing users with advance information about scheduled SEPA direct debits through notifications. This feedback loop allows users to monitor their recurring transactions and take action to stop payments before execution if needed, eliminating the delay of discovering transactions only after they have been processed and reducing the need for time-consuming bank communications.
4Reliability
If the vendor is disinclined to make it easy for customers to unsubscribe, then the vendor continues to obtain payment, but the user remains captive until bankcard expiry date
Solution Approach 1:
The patent introduces an intermediary notification system that mediates between the vendor's interest in maintaining subscriptions and the user's need for flexibility. The system sends automated notifications about upcoming transactions and provides users with an easy cancellation mechanism by responding to notifications. This intermediary approach maintains payment collection reliability for engaged users while providing the flexibility users need to unsubscribe easily when desired, without requiring vendor policy changes.
Data Source
AI summary
The invention relates to a method for processing a recurring transaction for access to a good or to a service by a transactional processing device (DTT), the method comprising an initial step for obtaining a piece of data representing a processing instruction (iTrR) for processing a recurring transaction (TrR), the method being characterized in that it comprises:a step (100) for transmitting a message (Msg) of interrogation of a given type, said message (Msg) comprising at least one piece of identification data (Id) for identifying said recurring transaction, to a terminal (TermU) of a user having previously taken out a subscription for said good or said service;a step (110) for inserting said recurring transaction into a deferred processing database (BT-TD);transactional processing (120), depending on the occurrence of at least one of the following events:reception (130) of a message (Msg2) from said terminal (TermU) of said user;expiry of the deadline for carrying out said recurring transaction (140).