Transaction Backend Device Benefit Account Interception
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Solution Overview
Problem
Customers often miss out on rewards and discounts associated with loyalty or rewards programs because they cannot apply their benefit accounts before completing a transaction, leading to inefficiencies and wasted resources.
Innovation Solution
A transaction backend device that intercepts the completion of a transaction to facilitate the use of a benefit account, such as a loyalty or rewards account, by determining if the account was not used and prompting the user to apply it, thereby reducing the need for re-processing and manual intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of energy
If customers complete transactions without applying benefit accounts, then transaction processing is simple and fast, but customers lose out on rewards and discounts
Solution Approach 1:
The system performs preliminary actions by detecting benefit accounts before transaction completion and prompting users to apply them. The transaction backend device intercepts the transaction flow, checks for associated benefit accounts, and presents options to users before the transaction is finalized, ensuring rewards are captured without requiring post-transaction manual intervention.
Solution Approach 2:
The system implements feedback by notifying users of available benefit accounts during the transaction process. The transaction backend device provides real-time information about unredeemed benefits and guides users through the application process, creating a closed-loop system that informs and facilitates benefit utilization.
2Loss of energy
If customers manually apply benefit accounts after transactions, then rewards can be redeemed, but processing resources are wasted and time is lost
Solution Approach 1:
The system performs the benefit account application action preliminarily, during the transaction processing itself rather than after. By intercepting the transaction flow and facilitating benefit application before completion, the system eliminates the need for separate post-transaction processing steps, saving both time and computational resources.
Solution Approach 2:
The system enables self-service by automatically detecting benefit accounts and presenting application options to users during transaction completion. Users can independently apply their benefits without requiring manual intervention from support staff or complex re-processing procedures, streamlining the entire workflow.
3Ease of operation
If the system intercepts transaction completion to facilitate benefit account use, then rewards application is streamlined, but transaction processing time increases
Solution Approach 1:
The system applies partial action by selectively intercepting only those transactions where benefit accounts are associated, rather than all transactions. This targeted approach facilitates benefit application where needed while minimizing interference with standard transaction flows, reducing overall time impact.
Solution Approach 2:
The system enables skipping by providing users with the option to quickly accept default benefit applications or rapidly navigate through the benefit application process. Users can rush through the additional steps if desired, minimizing the time added to transaction completion while still maintaining ease of operation.
Data Source
AI summary
A device may receive transaction information related to a transaction that an individual is completing. The transaction information may identify a location of the transaction and the individual that is completing the transaction. The device may determine, prior to completing the transaction and based on data from a sensor of a transaction terminal or from a user device associated with the individual, that the individual did not use a benefit account associated with the location in association with completing the transaction. The benefit account may be a rewards account, a loyalty account, or a discount account. The device may perform an action to facilitate use of the benefit account in association with completing the transaction. The action may be performed prior to completing the transaction. The device may perform another action to complete the transaction after performing the action to facilitate use of the benefit account.