Patent ID: 11935063
Assignee: DOUBLE CHECK SOLUTIONS, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system for providing alert management and real-time remediation, the system comprising:
one or more hardware processors; and
a non-transitory machine-readable storage medium encoded with instructions executable by the one or more hardware processors to perform operations comprising:
obtaining an electronic file, wherein the electronic file includes an exception information data structure comprising exception information representing one or more events, customers associated with the events, and negotiable financial instruments associated with the events and drawn on customer accounts of a payor financial institution, and a contact information data structure comprising electronic addresses for the customers;
responsive to obtaining the exception information, automatically parsing the exception information into events for the customers associated with the events; and
for at least one of the customers:
determining, for an event associated with the at least one of the customers, a time interval during which the at least one of the customers may remedy the event, wherein the event is associated with a first negotiable financial instrument, wherein a monetary amount of the first negotiable financial instrument exceeds an available monetary balance of a financial account of the at least one of the customers on which the first negotiable financial instrument is drawn;
generating and sending an event notification message to the electronic address of the at least one of the customers, wherein the event notification message includes a link to an authentication interface of the payor financial institution;
determining whether to present an option to pay a service fee and an amount due by which the monetary amount the first negotiable financial instrument exceeds the available monetary balance of the financial account of the at least one of the customers using a trained machine learning model that has been trained using unsupervised training with historical correspondences between decisions to present options to pay and parameters of corresponding negotiable financial instruments;
responsive to the at least one of the customers being authenticated by the authentication interface, providing a first user interface to an electronic customer device for display to the at least one of the customers, wherein the first user interface displays information for events associated with the at least one of the customers and display elements from which a user may select, including an indication of the time interval during which the at least one of the customers may remedy the event, an identification of the first negotiable financial instrument with the service fee and the amount due, a display element for reporting fraud concerning the first negotiable financial instrument, and when it is determined to present the option to pay, the option to pay the amount due;
responsive to the at least one of the customers selecting the display element for reporting fraud, generating and sending a first fraud reporting message to the payor financial institution, and generating and sending a second fraud reporting message to a corresponding payee financial institution, the first and second fraud reporting messages identifying the first negotiable financial instrument; and
responsive to expiration of the time interval:
generating a second user interface for display to the at least one of the customers that provides an indication of the expiration of the time interval in the second user interface, and
disabling or removing the option to pay the amount due.