Providing computer-generated contextual data to an end-point during a digital transaction

A system including a server computer operated or maintained by or on behalf of a financial institution maintaining a financial account against which a consumer transacts, the server computer comprising:

• a processor and a memory configured to provide computer program instructions to the processor to execute functions of components;
• a trigger message receiving component for receiving, from a remote device via a data communication network, a trigger message relating to a digital transaction between the consumer and a second entity, the trigger message including a consumer identifier uniquely associated with the consumer and transaction details including a characteristic associated with the digital transaction, wherein the trigger message is received during pendency of the digital transaction;
• a data message obtaining component for obtaining a data message including information based on an evaluation of the transaction details against a consumer-linked transaction matrix, the consumer-linked transaction matrix being linked to the consumer and at least including information relating to the digital transaction, wherein the information included in the data message includes an insight advice relating to the transaction and an associated action prompt;
• and,
• a data message transmitting component for transmitting, via a data communication network, the data message to a remote device with which the consumer interacts, wherein the data message is configured to cause the remote device with which the consumer interacts to output a prompt to the consumer displaying the data message;
• a transaction suspending component for suspending processing of the transaction in response to receiving the trigger message until a data response message instructing continuance of the transaction is received from the remote device with which the consumer interacts or after a predetermined period of time after the data message has been transmitted,
• wherein the server computer has access to a financial account database associated with a plurality of consumers to generate and maintain the consumer-linked transaction matrix
• wherein the second entity is a merchant of goods or services and wherein the trigger message is a transaction authorization request message received from a merchant device, and
• wherein the transaction details include one or more of an amount associated with the transaction, a merchant identifier, and details of goods or services associated with the transaction.

A computer program product comprising a computer-readable medium having stored computer-readable program code for performing, at a server computer operated or maintained by or on behalf of a financial institution maintaining a financial account against which a consumer transacts, the steps of:

• receiving, at the server computer from a remote device via a data communication network, a trigger message relating to a digital transaction between the consumer and a second entity, the trigger message including a consumer identifier uniquely associated with the consumer and transaction details including a characteristic associated with the digital transaction, wherein the trigger message is received during pendency of the digital transaction;
• suspending, at the server computer, processing of the transaction in response to receiving the trigger message;
• and:
• obtaining, at the server computer, a data message including information based on an evaluation of the transaction details against a consumer-linked transaction matrix, the consumer-linked transaction matrix being linked to the consumer and at least including information relating to the digital transaction, wherein the information included in the data message includes advice relating to the transaction and an associated action prompt;
• and,
• transmitting, from the server computer via a data communication network, the data message to a remote device with which the consumer interacts, wherein the data message is configured to cause the remote device with which the consumer interacts to output a prompt to the consumer displaying the data message;
• and
• continuing processing of the transaction by the server computer after a data response message instructing continuance of the transaction is received from the remote device with which the consumer interacts or after a predetermined period of time after the data message has been transmitted,
• wherein the second entity is a merchant of goods or services and wherein the trigger message is a transaction authorization request message received from a merchant device, and
• wherein the transaction details include one or more of an amount associated with the transaction, a merchant identifier, and details of goods or services associated with the transaction.