# US 11,907,956 B2 · Systems and methods for automated notification and resolution of trigger events

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- Number: US 11,907,956 B2
- Document ID: US11907956B2
- Status: Granted
- Kind: B2
- Application number: 17/643,164
- Filed: 2021-12-07
- Published: 2023-02-16
- Granted: 2024-02-20
- Earliest claimed: 2021-08-11
- Assignees: JPMorgan Chase Bank, N.A.
- Applicants: Jpmorgan Chase Bank, N.A.
- Inventors: Hetal Sanghvi; Tejal Vora; Candice Noronha; Vinesh Mehta; Ismail Tinwala
- Web page: https://patentgrep.com/patent/US11907956B2

## CPC

- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06F 9/542: {Event management; Broadcasting; Multicasting; Notifications}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

Systems and methods for automated notification and resolution of trigger events are disclosed. According to one embodiment, a method for automated notification and resolution of trigger events may include: (1) monitoring, by a backend computer program, an account for a trigger condition; (2) generating, by the backend computer program, a voice notification for the trigger condition; (3) communicating, by the backend computer program, the voice notification to an electronic device associated with the account and a link to a network location to resolve the trigger condition; (4) presenting, by the backend computer program and at the network location to resolve the trigger condition, one or more resolution options; (5) receiving, by the backend computer program and at the network location to resolve the trigger condition, a selection of one of the one or more resolution options; and (6) executing, by the backend computer program, the selected resolution option.

## Claims

### Claim 1

A method for automated notification and resolution of trigger events, comprising:
monitoring, by a backend computer program, an account for a trigger condition;
generating, by the backend computer program, a voice notification in response to the trigger condition being met;
communicating, by the backend computer program, the voice notification to an electronic device associated with the account and a link to a network location to resolve the trigger condition;
presenting, by the backend computer program and at the network location to resolve the trigger condition, one or more resolution options;
receiving, by the backend computer program and at the network location to resolve the trigger condition, a selection of one of the one or more resolution options, wherein the selection is received when a data connection between the electronic device and the backend computer program is unavailable, and communicated to the backend computer program when the data connection is restored; and
executing, by the backend computer program, the selected resolution option.

### Claim 2 (depends on 1)

The method of claim 1, wherein the trigger condition comprises an account balance falling below a threshold, a potential fraud event, or an authentication event.

### Claim 3 (depends on 1)

The method of claim 1, wherein the trigger condition comprises a key performance indicator breach.

### Claim 4 (depends on 1)

The method of claim 1, wherein the trigger condition comprises a disposition of a sanctions hit.

### Claim 5 (depends on 1)

The method of claim 1, wherein the voice notification is provided as a second link.

### Claim 6 (depends on 1)

The method of claim 1, wherein the voice notification is provided as an in-application notification.

### Claim 7 (depends on 1)

The method of claim 1, wherein the backend computer program receives the selected resolution option as a voice-based command or a gesture-based command.

### Claim 8 (depends on 1)

The method of claim 1, further comprising:
authenticating, by the backend computer program, a user associated with the account.

### Claim 9

A non-transitory computer readable storage medium, including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
monitoring an account for a trigger condition;
generating a voice notification in response to the trigger condition being met;
communicating the voice notification to an electronic device associated with the account and a link to a network location to resolve the trigger condition;
presenting, at the network location to resolve the trigger condition, one or more resolution options;
receiving, at the network location to resolve the trigger condition, a selection of one of the one or more resolution options, wherein the selection is received by the electronic device when a data connection is unavailable, and received when the data connection is restored; and
executing the selected resolution option.

### Claim 10 (depends on 9)

The non-transitory computer readable storage medium of claim 9, wherein the trigger condition comprises an account balance falling below a threshold, a potential fraud event, or an authentication event.

### Claim 11 (depends on 9)

The non-transitory computer readable storage medium of claim 9, wherein the trigger condition comprises a key performance indicator breach.

### Claim 12 (depends on 9)

The non-transitory computer readable storage medium of claim 9, wherein the trigger condition comprises a disposition of a sanctions hit.

### Claim 13 (depends on 9)

The non-transitory computer readable storage medium of claim 9, wherein the voice notification is provided as a second link.

### Claim 14 (depends on 9)

The non-transitory computer readable storage medium of claim 9, wherein the voice notification is provided as an in-application notification.

### Claim 15 (depends on 9)

The non-transitory computer readable storage medium of claim 9, wherein the selected resolution option is received as a voice-based command or a gesture-based command.

### Claim 16 (depends on 9)

The non-transitory computer readable storage medium of claim 9, further including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to authenticate a user associated with the account.