System and method for processing an interaction request

• US 10,200,481 B2
• Filed: 09/30/2016
• Issued: 02/05/2019
• Est. Priority Date: 09/30/2016
• Status: Active Grant

• Current Assignee: Toronto-Dominion Bank
• Original Assignee: Toronto-Dominion Bank
• Inventors: D'Agostino, Dino Paul, Jethwa, Rakesh Thomas, Chan, Paul Mon-Wah, Lee, John Jong Suk
• Primary Examiner(s): Lazaro, David R
• Application Number:
  US15/282,727
• Publication Number:
  US 20180097889A1
• Time in Patent Office: 858 Days
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: H04L 67/12 specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04L 67/141 Setup of application sessions admission control or resource allocation in data switching networks H04L47/70
• CPC Class Codes: H04L 67/143 Termination or inactivation of sessions, e.g. event-controlled end of session
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys
• CPC Class Codes: H04W 4/21 for social networking applications

Abstract

A method and system are provided for processing an interaction request. The method includes detecting the interaction request for a first interaction session using a first interaction channel between a request initiator and a request service provider, assigning an identifier to the interaction request, determining a task associated with the interaction request, and obtaining context data of a plurality of other interaction sessions associated with the identifier. The plurality of other interaction sessions occur proximal in time with the first interaction session. The context data is related to activity of the request initiator. The method also includes associating a subset of the context data with the interaction request. The subset of the context data is the context data of the plurality of other interaction sessions that are related to the task. The method also includes facilitating the first interaction session using the subset of the context data.

Claims

1. A device for processing an interaction request, the device comprising a processor and memory, the memory storing computer executable instructions that when executed by the processor cause the processor to:

detect the interaction request for a first interaction session using a first interaction channel between a request initiator and a request service provider;

assign an identifier to the interaction request;

determine a task associated with the interaction request;

obtain context data of a plurality of other interaction sessions between the request initiator and the request service provider associated with the identifier, the plurality of other interaction sessions occurring proximal in time with the first interaction session, the context data being related to activity of the request initiator, at least one of the plurality of other interaction sessions and the first interaction session using different types of interaction channels between the request initiator and the request service provider, and the context data of the at least one of the plurality of other interaction sessions comprising an identifier of the type of interaction channel used;

associate a subset of the context data with the interaction request, the subset of the context data comprising the context data of the plurality of other interaction sessions that are related to the task; and

facilitate the first interaction session using the subset of the context data.

2. The device of claim 1, wherein facilitating the first interaction session comprises:

providing the subset of the context data during the first interaction session for use by the request service provider.

3. The device of claim 1, wherein a first authentication operation is associated with the first interaction channel, a second authentication operation is associated with a second interaction channel different from the first interaction channel, the second interaction channel being used in a second interaction session of one of the plurality of other interaction sessions, the subset of the context data comprises authentication information generated from the second authentication operation in the second interaction session, and wherein facilitating the first interaction session comprises:

providing the authentication information for use by the request service provider to bypass performance of the first authentication operation in the first interaction session.

4. The device of claim 3, wherein facilitating the first interaction session further comprises:

providing the authentication information for use by the request service provider to authenticate the first interaction session through an exchange of messages through the second interaction session using the second interaction channel.

5. The device of claim 1, wherein the plurality of other interaction sessions comprises other interaction sessions initiated within a predetermined time preceding the interaction request.

6. The device of claim 1, wherein the plurality of other interaction sessions comprises other interaction sessions active at a time of detecting the interaction request.

7. The device of claim 1, wherein the computer executable instructions further cause the processor to:

rank the context data of the plurality of other interaction sessions based on relevance to the task,

wherein the subset of the context data is associated with the interaction request in order of the ranking.

8. The device of claim 1, wherein each of the plurality of other interaction sessions uses a different type of interaction channel.

9. The device of claim 1, wherein the device comprises a context server in communication with a request initiator device and a request service provider device.

10. A method of processing an interaction request, the method comprising:

detecting the interaction request for a first interaction session using a first interaction channel between a request initiator and a request service provider;

assigning an identifier to the interaction request;

determining a task associated with the interaction request;

obtaining context data of a plurality of other interaction sessions between the request initiator and the request service provider associated with the identifier, the plurality of other interaction sessions occurring proximal in time with the first interaction session, the context data being related to activity of the request initiator, at least one of the plurality of other interaction sessions and the first interaction session using different types of interaction channels between the request initiator and the request service provider, and the context data of the at least one of the plurality of other interaction sessions comprising an identifier of the type of interaction channel used;

associating a subset of the context data with the interaction request, the subset of the context data being the context data of the plurality of other interaction sessions that are related to the task; and

facilitating the first interaction session using the subset of the context data.

11. The method of claim 10, wherein facilitating the first interaction session comprises:

providing the subset of the context data during the first interaction session for use by the request service provider.

12. The method of claim 10, wherein a first authentication operation is associated with the first interaction channel, a second authentication operation is associated with a second interaction channel different from the first interaction channel, the second interaction channel being used in a second interaction session of one of the plurality of other interaction sessions, the subset of the context data comprises authentication information generated from the second authentication operation in the second interaction session, and wherein facilitating the first interaction session comprises:

providing the authentication information for use by the request service provider to bypass performance of the first authentication operation in the first interaction session.

13. The method of claim 12, wherein facilitating the first interaction session further comprises:

providing the authentication information for use by the request service provider to authenticate the first interaction session through an exchange of messages through the second interaction session using the second interaction channel.

14. The method of claim 10, wherein the plurality of other interaction sessions comprises other interaction sessions initiated within a predetermined time preceding the interaction request.

15. The method of claim 10, wherein the plurality of other interaction sessions comprises other interaction sessions active at a time of detecting the interaction request.

16. The method of claim 10 further comprising:

ranking the context data of the plurality of other interaction sessions based on relevance to the task,

wherein the subset of the context data is associated with the interaction request in order of the ranking.

17. The method of claim 10, wherein each of the plurality of other interaction sessions uses a different type of interaction channel.

18. A non-transitory computer readable medium for processing an interaction request, the computer readable medium comprising computer executable instructions for:

detecting the interaction request for a first interaction session using a first interaction channel between a request initiator and a request service provider;

assigning an identifier to the interaction request;

determining a task associated with the interaction request;

obtaining context data of a plurality of other interaction sessions between the request initiator and the request service provider associated with the identifier, the plurality of other interaction sessions occurring proximal in time with the first interaction session, the context data being related to activity of the request initiator, at least one of the plurality of other interaction sessions and the first interaction session using different types of interaction channels between the request initiator and the request service provider, and the context data of the at least one of the plurality of other interaction sessions comprising an identifier of the type of interaction channel used;

associating a subset of the context data with the interaction request, the subset of the context data being the context data of the plurality of other interaction sessions that are related to the task; and

facilitating the first interaction session using the subset of the context data.

19. The non-transitory computer readable medium of claim 18, wherein facilitating the first interaction session comprises:

providing the subset of the context data during the first interaction session for use by the request service provider.

20. The non-transitory computer readable medium of claim 18, wherein a first authentication operation is associated with the first interaction channel, a second authentication operation is associated with a second interaction channel different from the first interaction channel, the second interaction channel being used in a second interaction session of one of the plurality of other interaction sessions, the subset of the context data comprises authentication information generated from the second authentication operation in the second interaction session, and wherein facilitating the first interaction session comprises:

providing the authentication information for use by the request service provider to bypass performance of the first authentication operation in the first interaction session.