Real-Time Transaction Channel Alerts With Configurable Routing

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Solution Overview

Problem

Existing electronic transaction systems face inefficiencies in identifying, indicating, and remediating problems across multiple channels, consuming significant time and memory resources, and often require manual user intervention.

Innovation Solution

A system with a transaction channel monitoring layer and a real-time notification layer that automatically generates and transmits notifications to appropriate recipients based on transaction channel alerts, determining notification type, content, and recipients in real-time without user input.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Device complexity

If manual monitoring and logging of transaction channel problems is used, then system complexity is reduced, but time consumption and memory resources increase significantly

Engineering Contradiction:
Improvesystem complexityVSAvoidtime consumption
Core Design Contradiction:
Device complexityVSLoss of time

Solution Approach 1:

The system enables automatic self-monitoring of transaction channels through embedded alerting mechanisms that autonomously detect problems, generate notifications, and route them to appropriate recipients without requiring manual user intervention or complex external monitoring tools.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

An intermediary alerting layer is introduced between the transaction processing system and users, which automatically captures problem information from transaction channels, processes it through configurable rules, and delivers notifications to appropriate recipients, thereby reducing both time consumption and overall system complexity.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Quantity of substance

If manual problem identification and notification is used, then memory resources are reduced, but productivity and response speed decrease

Engineering Contradiction:
Improvememory resourcesVSAvoidproductivity
Core Design Contradiction:
Quantity of substanceVSProductivity

Solution Approach 1:

The system autonomously performs problem identification, notification generation, and recipient routing without manual intervention. The alerting layer automatically processes transaction channel problems, determines appropriate notification formats and recipients based on configurable rules, and sends notifications in real-time, thereby maintaining high productivity while using memory resources efficiently through event-driven architecture.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

Notification rules and recipient mappings are pre-configured in the system, allowing the alerting layer to immediately generate and route notifications when problems occur, eliminating the need for manual problem identification and recipient determination, thus maintaining high productivity without requiring significant memory resources for runtime processing.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If comprehensive problem monitoring across multiple channels is implemented, then reliability improves, but device complexity and resource consumption increase

Engineering Contradiction:
ImprovereliabilityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The monitoring system is segmented into independent transaction channels, each with its own alerting mechanisms. The alerting layer processes problems from each channel separately using standardized procedures, allowing the system to maintain high reliability across multiple channels while keeping device complexity manageable through modular design and independent processing units.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

A universal alerting layer is implemented that handles multiple transaction channel types through a single standardized interface. The system uses configurable notification rules that can be applied across different channel types, enabling comprehensive multi-channel monitoring with improved reliability while avoiding the complexity of separate specialized monitoring systems for each channel.

Inventive Principle:
Principle #6Universality (Multi-functionality)

4Measurement precision

If detailed problem information is stored for each transaction channel, then measurement precision improves, but memory resources and processing time increase

Engineering Contradiction:
Improveproblem detection precisionVSAvoidmemory resources
Core Design Contradiction:
Measurement precisionVSQuantity of substance

Solution Approach 1:

The system extracts only the essential problem information from transaction channels that is necessary for notification purposes, such as problem type, severity level, and channel identification. Non-essential detailed information is not stored in memory, allowing the system to maintain high problem detection precision while using minimal memory resources. Extracted key information is used to trigger appropriate notifications based on pre-configured rules.

Inventive Principle:
Principle #2Taking out (Extraction)

Data Source

PatentUS12561680B2Configuration-based real-time notifications in transaction systems
Publication Date: 2026.02.24 TRUIST BANK
  • US12561680B2 patent drawing
  • US12561680B2 patent drawing
  • US12561680B2 patent drawing

AI summary

A system that can, using reduced memory resources, receive by a transaction channel monitoring layer, an alert issued by a server application of a server associated with a transaction channel of a transaction system regarding a problem associated with the transaction channel, and subsequently retrieve, by a real-time notification layer, the alert received by the transaction channel monitoring layer. The system can use information contained in the alert, such as for example, an identification of the transaction channel associated with the alert, an alert type, and an alert severity, to automatically determine a form of a notification to be generated, the content of the notification, and at least one recipient of the notification. The system can then automatically generate the notification, and automatically transmit the notification in real-time to the at least one recipient of the notification.