Automated Subscription Cancellation via Multi-Resource Data Extraction
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Solution Overview
Problem
Users face challenges in managing duplicate subscriptions across multiple accounts without manual scrutiny, leading to unnecessary payments and confusion due to electronic subscription renewals.
Innovation Solution
A system that automatically identifies and cancels duplicate third-party interactions by extracting information from multiple resources, interrupting payments, and providing actionable notifications to users, allowing them to confirm or modify subscriptions without requiring login information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of time
If users manually manage their subscriptions across multiple accounts, then they can identify and cancel duplicate subscriptions, but it requires significant time and effort for users to scrutinize each subscription
Solution Approach 1:
The system automatically identifies and manages duplicate subscriptions without requiring user intervention. The subscription management system extracts information from multiple user resources, compares subscriptions across accounts, and presents duplicate findings to the user for confirmation, allowing the system to perform the time-consuming identification work itself rather than requiring manual user scrutiny
Solution Approach 2:
The patent introduces a subscription management system as an intermediary between the user's multiple accounts and the user themselves. This intermediary automatically extracts subscription information from various accounts, processes and compares the data, and presents organized findings to the user, thereby eliminating the need for users to manually manage each subscription across multiple platforms
2Productivity
If the system automatically identifies and cancels duplicate subscriptions, then it eliminates unnecessary payments efficiently, but it requires access to user resources and authorization mechanisms
Solution Approach 1:
The system obtains user authorization in advance through the client application before automatically managing subscriptions. The user grants permission for the system to access their account information and manage subscriptions, allowing subsequent automatic operations to proceed without repeated authentication requests, thus enabling efficient duplicate elimination while managing access complexity upfront
Solution Approach 2:
The client application serves as an intermediary layer between the user and the subscription management system. It handles authorization requests, secures user resources, and manages the communication between the user's accounts and the management system, thereby enabling efficient automatic duplicate detection while containing the complexity within the intermediary layer rather than exposing it to the user
3Measurement precision
If the system extracts information from multiple user resources to identify duplicates, then it can comprehensively detect duplicate subscriptions, but it increases the complexity of information extraction and processing
Solution Approach 1:
The subscription management system is designed with multi-functional capabilities to extract and process information from multiple different user resources and account types. It implements universal extraction mechanisms that can handle various data formats and source types (bank accounts, credit cards, subscription services) through a single integrated approach, enabling comprehensive duplicate detection without proportionally increasing processing complexity
Solution Approach 2:
The system employs an intermediary information processing layer that standardizes data extraction from multiple user resources. This intermediary layer normalizes different data formats and structures into a unified format for comparison, thereby enabling high-accuracy duplicate identification while managing the complexity of multi-source information extraction through standardized processing protocols
Data Source
AI summary
Embodiments of the invention are directed to a system, method, or computer program product for identifying duplicate third party interactions based on information extracted from multiple resources associated with an enrolled user. Furthermore, the system may automatically modify a duplicate third party interaction upon identification, wherein the system may cancel the duplicate third party interaction by interrupting payments to the third party provider associated with the duplicate interaction. This allows for duplicate interactions to be canceled on behalf of the user without the system knowing user login information associated with the third party interaction. Additionally, the system may provide options for modifying duplicate interactions to the user by way of actionable notifications on the user's computing device via a client application. The system may also provide the user with reasons for why similarly-situated users modified third party interactions to aid the user's decision making process.