Supplemental Alert System for Transaction Notifications
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Solution Overview
Problem
Existing transaction alert systems primarily notify users without providing supplemental notifications to other entities, such as recipients, which can lead to delayed communication and inefficiencies, especially in scenarios like parental or business account transactions.
Innovation Solution
A system that allows users to register accounts and set rules for generating both user alerts and supplemental recipient alerts via a server computer, enabling notifications to be sent to multiple platforms based on predefined or custom conditions, such as transaction amounts or locations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If a general alert system is used to notify users of transactions, then users receive transaction notifications, but recipients (such as family members or business partners) are not notified, leading to delayed communication
Solution Approach 1:
The alert system is segmented into multiple notification channels: primary alerts to the user and supplemental alerts to designated recipients. This segmentation allows the system to target different information needs of different parties without requiring a complete system redesign, thereby reducing the perceived complexity while improving information distribution.
Solution Approach 2:
The alert system is enhanced to perform multiple functions: notifying the user of transactions and simultaneously notifying designated recipients. This multi-functionality is achieved by integrating recipient management and supplemental alert generation into the existing transaction monitoring framework, allowing the system to serve both user notification and recipient communication needs without requiring separate systems.
2Productivity
If supplemental alert messages are sent to recipients in addition to user alerts, then communication between user and recipients is improved, but system complexity increases
Solution Approach 1:
Users pre-designate recipients and configure alert preferences in advance through recipient management features. This preliminary action allows the system to automatically route supplemental alerts to the correct recipients without requiring real-time decision-making or complex routing logic during transaction processing, thereby improving communication efficiency while keeping the system manageable.
Solution Approach 2:
The server acts as an intermediary that receives transaction alerts and automatically distributes supplemental alerts to designated recipients based on pre-configured rules. This intermediary approach simplifies the system architecture by centralizing the notification logic on the server side, reducing client-side complexity while enabling efficient multi-party communication.
3Loss of time
If users manually notify recipients of transactions, then recipients receive timely information, but user effort and time are increased
Solution Approach 1:
The alert system provides self-service functionality by automatically generating and sending supplemental alerts to recipients without requiring user intervention. Once users configure their recipient list and alert preferences, the system autonomously handles the notification process for all subsequent transactions, eliminating manual notification efforts and saving user time and effort.
Solution Approach 2:
The system implements feedback mechanisms where users can review and modify their recipient lists and alert preferences based on their notification experiences. This feedback loop allows users to optimize the system's automatic notification behavior over time, ensuring that the self-service functionality continues to meet their communication needs without requiring manual rec notification for each transaction.
Data Source
AI summary
Embodiments of the invention provide an “also notify” feature that allows a user to set up rules to notify a recipient that a transaction was conducted by the user. When a user conducts a transaction using an account associated with a server computer in an alert system, the server computer generates an alert message if a rule is triggered. The alert message is transmitted to the user informing of the transaction. The server computer also notifies a recipient on a platform specified in the triggered rule by the user, using a supplemental alert message.