{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-9853921","patent":{"patent_number":"US-9853921","title":"Secure account communication management","assignee":null,"inventors":[],"filing_date":"2013-01-02T00:00:00.000Z","publication_date":"2017-12-26T00:00:00.000Z","cpc_codes":["G06F","G06F","G06Q","H04L"],"num_claims":17,"abstract":"Messages for customers and/or third parties may be generated and/or stored by a service provider. The messages may include user information associated with a resource or an account of a user. In some aspects, a message containing at least a portion of the user information may be provided to the user. The message may be configured to enable the user to associate information with the message. The service provider may receive an indication of the association between the information and the message. Based at least in part on the received indication, the service provider may perform an action corresponding to the action."},"analysis":{"summary":"The Secure Account Communication Management patent introduces a system for secure and personalized communication between service providers and their customers. The core innovation enables service providers to generate and store messages containing user-specific information, allowing users to interact with these messages and associate additional data. This creates a feedback loop that enhances security, personalization, and actionability. The problem being solved is the increasing vulnerability of traditional communication methods to fraud and unauthorized access. The key technical approach involves generating personalized messages, providing a secure storage mechanism, enabling user interaction, and executing actions based on user-associated data. The business value lies in enhanced customer trust, reduced fraud, improved customer satisfaction, and increased revenue potential. The market opportunity is significant, with applications in various industries, including finance, healthcare, and e-commerce. This technology offers a robust and reliable framework for managing user interactions, improving security, and enhancing the overall customer experience. The system's modular design allows for easy integration with existing infrastructure, making it a cost-effective solution for service providers of all sizes. The potential for increased customer loyalty and revenue growth makes this technology a valuable asset for any organization, providing a competitive edge in today's digital landscape.","layman_explanation":"The Secure Account Communication Management patent addresses the growing need for secure and personalized communication between businesses and their customers. In today's digital world, customers are increasingly concerned about the security of their personal information and the risk of fraud. Traditional communication methods, such as email and phone calls, are often vulnerable to phishing attacks and lack the necessary security measures to protect sensitive data. \n\nThis patent offers a solution by providing a secure and auditable channel for customer communication. The technology allows businesses to generate personalized messages containing user-specific information, such as account balances and transaction history. Customers can then interact with these messages to perform actions such as disputing transactions or updating their account information. The system also provides a secure mechanism for customers to associate information with these messages, providing valuable context and enabling targeted actions by the business. \n\nThe value of this technology lies in its ability to enhance customer trust, reduce fraud, and improve customer satisfaction. By providing a secure and personalized communication experience, businesses can build stronger relationships with their customers and increase customer loyalty. The Secure Account Communication Management system also helps businesses comply with regulatory requirements and protect themselves from legal liability. \n\nLooking ahead, this technology has the potential to transform the way businesses communicate with their customers. As customers become increasingly aware of the risks associated with traditional communication methods, they will demand more secure and personalized experiences. The Secure Account Communication Management system provides a foundation for building these experiences, enabling businesses to deliver a superior customer experience and gain a competitive edge in the marketplace. The adoption timeline will depend on the specific industry and the regulatory environment, but the long-term trend is clear: secure and personalized communication is the future of customer engagement.","technical_analysis":"The Secure Account Communication Management patent outlines a sophisticated system designed to enhance the security and personalization of communications between service providers and their customers. The technical architecture comprises several key modules: a message generation component, a secure storage mechanism, a user interaction interface, and an action execution engine. The message generation component is responsible for creating personalized messages containing user-specific data. The secure storage mechanism employs encryption and access control mechanisms to ensure the confidentiality and integrity of these messages. The user interaction interface allows users to view and interact with the messages, associating additional information as needed. The action execution engine processes the user-associated data and triggers corresponding actions by the service provider. \n\nImplementation details involve the use of cryptographic protocols for secure communication and data storage. The system utilizes end-to-end encryption to protect messages from eavesdropping during transmission. Strong authentication protocols verify the identity of users before granting access to their accounts. Access control mechanisms limit the scope of user access to only the information and functions necessary for their specific roles. The algorithm specifics involve data processing techniques to analyze user-associated data and trigger appropriate actions. \n\nIntegration patterns include APIs for seamless integration with existing CRM and other enterprise systems. The system is designed to be modular and extensible, allowing for easy customization and adaptation to specific business requirements. Performance characteristics include low latency and high throughput, ensuring a responsive and efficient user experience. Code-level implications involve the use of secure coding practices to prevent vulnerabilities and ensure the integrity of the system. The Secure Account Communication Management system represents a significant advancement in secure communication technology, offering a robust and reliable framework for managing user interactions and protecting sensitive data.","business_analysis":"The Secure Account Communication Management patent presents a significant market opportunity for service providers seeking to enhance customer trust, reduce fraud, and improve customer satisfaction. The market opportunity size is substantial, with applications in various industries, including finance, healthcare, and e-commerce. The competitive advantages of this technology include enhanced security, personalized communication, improved user experience, and reduced risk of fraud. The revenue potential is significant, with opportunities for increased customer loyalty, reduced operational costs, and new revenue streams. \n\nBusiness models include licensing the technology to service providers, offering a managed service, or integrating the technology into existing products and services. Strategic positioning involves targeting industries where security and customer trust are paramount. ROI projections indicate a high return on investment, with potential for significant cost savings and revenue growth. The Secure Account Communication Management system offers a compelling value proposition for service providers seeking to improve their customer communication strategy and gain a competitive edge in today's digital landscape. The ability to provide personalized and secure communication is a key differentiator that can attract and retain customers, leading to increased revenue and profitability. This technology represents a strategic investment that can deliver significant business benefits.","faqs":null,"topics":["secure communication","account management","data security","user information","patent","secure","account","communication"],"tech_cluster":null},"seo":{"title":"Secure Account Communication Management - Patent US-9853921","description":"Explore the Secure Account Communication Management patent for secure and personalized customer communication. Reduce fraud, enhance trust, and improve user experience.","keywords":["secure communication","account management","data security","user information","patent","patent US-9853921","customer service","fraud prevention","encryption","authentication"]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-9853921","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-9853921","citation_suggestion":"Patentable. \"Secure account communication management\" (US-9853921). https://patentable.app/patents/US-9853921","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-9853921","json":"https://patentable.app/api/llm-context/US-9853921","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T06:11:25.766Z"}