System for automatically establishing an operative communication channel to transmit instructions for canceling duplicate interactions with third party systems
First Claim
1. A system for modifying duplicate third party interactions, the system comprising:
- a memory device with computer-readable program code stored thereon;
a communication device;
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;
transmit a client application to a user computing device associated with a user;
receive authorization from the user computing device via the client application to access user resources associated with the user, the client application being configured to present a graphical user interface configured to receive the authorization from the user;
based on receiving the authorization to access the user resources, extract information from the user resources, wherein the information extracted from the user resources comprises information associated with third party interactions comprising user subscriptions and memberships;
store the information associated with the third party interactions between the user and the one or more third parties in a database;
identify that a pending third party interaction is a potential duplicate third party interaction based on the information associated with the third party interactions stored in the database;
based on identifying that the pending third party interaction is a potential duplicate third party interaction, interrupt a payment for the pending third party interaction, wherein interrupting the payment places a hold on the payment;
transmit an actionable notification to the user computing device, via the client application, wherein the actionable notification presents the pending third party interaction and allows the client application to receive user instructions for modifying the pending third party interaction;
receive from the user computing device, via the client application, the user instructions for modifying the pending third party interaction;
modify the pending third party interaction based on the user instructions;
prompt the user, via the client application, to provide a user reason for modifying the pending third party interaction; and
present the user reason for modifying the pending third party interaction to another user on another user computing device, wherein the another user is deciding how to modify another third party interaction similar to the pending third party interaction.
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Accused Products
Abstract
Embodiments of the invention are directed to a system, method, or computer program product for identifying duplicate third party interactions based on information extracted from multiple resources associated with an enrolled user. Furthermore, the system may automatically modify a duplicate third party interaction upon identification, wherein the system may cancel the duplicate third party interaction by interrupting payments to the third party provider associated with the duplicate interaction. This allows for duplicate interactions to be canceled on behalf of the user without the system knowing user login information associated with the third party interaction. Additionally, the system may provide options for modifying duplicate interactions to the user by way of actionable notifications on the user'"'"'s computing device via a client application. The system may also provide the user with reasons for why similarly-situated users modified third party interactions to aid the user'"'"'s decision making process.
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Citations
20 Claims
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1. A system for modifying duplicate third party interactions, the system comprising:
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a memory device with computer-readable program code stored thereon; a communication device; a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to; transmit a client application to a user computing device associated with a user; receive authorization from the user computing device via the client application to access user resources associated with the user, the client application being configured to present a graphical user interface configured to receive the authorization from the user; based on receiving the authorization to access the user resources, extract information from the user resources, wherein the information extracted from the user resources comprises information associated with third party interactions comprising user subscriptions and memberships; store the information associated with the third party interactions between the user and the one or more third parties in a database; identify that a pending third party interaction is a potential duplicate third party interaction based on the information associated with the third party interactions stored in the database; based on identifying that the pending third party interaction is a potential duplicate third party interaction, interrupt a payment for the pending third party interaction, wherein interrupting the payment places a hold on the payment; transmit an actionable notification to the user computing device, via the client application, wherein the actionable notification presents the pending third party interaction and allows the client application to receive user instructions for modifying the pending third party interaction; receive from the user computing device, via the client application, the user instructions for modifying the pending third party interaction; modify the pending third party interaction based on the user instructions; prompt the user, via the client application, to provide a user reason for modifying the pending third party interaction; and present the user reason for modifying the pending third party interaction to another user on another user computing device, wherein the another user is deciding how to modify another third party interaction similar to the pending third party interaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer program product for modifying duplicate third party interactions, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
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an executable portion configured for transmitting a client application to a user computing device associated with a user; an executable portion configured for receiving authorization from the user computing device via the client application to access user resources associated with the user, the client application being configured to present a graphical user interface configured to receive the authorization from the user; an executable portion configured for, based on receiving the authorization to access the user resources, extracting information from the user resources, wherein the information extracted from the user resources comprises information associated with third party interactions comprising user subscriptions and memberships; an executable portion configured for storing the information associated with the third party interactions between the user and the one or more third parties in a database; an executable portion configured for identifying that a pending third party interaction is a potential duplicate third party interaction based on the information associated with the third party interactions stored in the database; an executable portion configured for interrupting a payment for the pending third party interaction based on identifying that the pending third party interaction is a potential duplicate third party interaction, wherein interrupting the payment places a hold on the payment; an executable portion configured for transmitting an actionable notification to the user computing device, via the client application, wherein the actionable notification presents the pending third party interaction and allows the client application to receive user instructions for modifying the pending third party interaction; an executable portion configured for receiving from the user computing device, via the client application, the user instructions for modifying the pending third party interaction; an executable portion configured for modifying the pending third party interaction based on the user instructions; an executable portion configured for prompting the user, via the client application, to provide a user reason for modifying the pending third party interaction; and an executable portion configured for presenting the user reason for modifying the pending third party interaction to another user on another user computing device, wherein the another user is deciding how to modify another third party interaction similar to the pending third party interaction. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer-implemented method for modifying duplicate third party interactions, the method comprising:
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transmitting a client application to a user computing device associated with a user; receiving authorization from the user computing device via the client application to access user resources associated with the user, the client application being configured to present a graphical user interface configured to receive the authorization from the user; based on receiving the authorization to access the user resources, extracting information from the user resources, wherein the information extracted from the user resources comprises information associated with third party interactions comprising user subscriptions and memberships; storing the information associated with the third party interactions between the user and the one or more third parties in a database; identifying that a pending third party interaction is a duplicate third party interaction based on the information associated with the third party interactions stored in the database; based on identifying that the pending third party interaction is a potential duplicate third party interaction, interrupting a payment for the pending third party interaction, wherein interrupting the payment places a hold on the payment; transmitting an actionable notification to the user computing device, via the client application, wherein the actionable notification presents the pending third party interaction and allows the client application to receive user instructions for modifying the pending third party interaction; receiving from the user computing device, via the client application, the user instructions for modifying the pending third party interaction; modifying the pending third party interaction based on the user instructions; prompting the user, via the client application, to provide a user reason for modifying the pending third party interaction; and presenting the user reason for modifying the pending third party interaction to another user on another user computing device, wherein the another user is deciding how to modify another third party interaction similar to the pending third party interaction. - View Dependent Claims (18, 19, 20)
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Specification