Real-Time Transaction Message Targeting via Asynchronous Segmentation

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Solution Overview

Problem

Current systems for processing transaction data lack the ability to provide real-time personalized advertisements and offers effectively, failing to fully leverage transaction data for targeted marketing and customer insights.

Innovation Solution

A system that processes transaction data to generate user profiles and provide real-time messages by correlating transaction data with online activities and external data sources, using a transaction handler to deliver personalized advertisements and offers through a centralized data warehouse and media controller.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If real-time message delivery is implemented during transaction processing, then marketing effectiveness and customer engagement improve, but system complexity and processing time increase

Engineering Contradiction:

Improvemarketing effectivenessVSAvoidsystem complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system segments message delivery into separate asynchronous tasks that run independently from the main transaction processing flow. Message generation, queuing, and delivery are divided into distinct modular components that can be processed in parallel, allowing real-time marketing messages to be delivered without blocking core transaction operations.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

An intermediary message queue system is introduced between the transaction processor and the message delivery mechanism. This intermediary layer buffers and manages message flow, decoupling the transaction processing system from the marketing message system, thereby reducing direct system complexity while enabling real-time message delivery.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If real-time message delivery is implemented during transaction processing, then marketing effectiveness and customer engagement improve, but transaction processing speed decreases

Engineering Contradiction:

Improvemarketing effectivenessVSAvoidtransaction processing speed

Core Design Contradiction:

ProductivityVSSpeed

Solution Approach 1:

Message templates and user profile data are pre-loaded and prepared in advance before transaction processing begins. This preliminary preparation allows the system to quickly generate and deliver personalized marketing messages during transaction processing without performing complex data retrieval or message composition operations that would slow down the transaction flow.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system maintains continuous background processes for user profile updates and message template preparations, ensuring that data is always ready for immediate use during transaction processing. This continuous preparation eliminates idle waiting time during message generation while maintaining transaction processing speed.

Inventive Principle:

Principle #20Continuity of useful action

Data Source

PatentUS10339554B2Systems and methods to provide messages in real-time with transaction processing

Publication Date: 2019.07.02 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.