公开(公告)号：US20170109663A1

公开(公告)日：2017-04-20

申请号：US15391679

申请日：2016-12-27

Applicant: Expensify, Inc.

Inventor： David M. Barrett ,  Anuradha Muralidharan

IPC: G06Q10/02 ,  G06Q20/34 ,  G06Q20/10

Abstract: A reservation store is monitored for a business in order to detect when a customer of the network transaction service makes a reservation with the business. At about a time of the reservation, a courier to provide the merchant at the reservation location with a card instrument of the network transaction service. A transaction resulting from the reservation may be funded by allocating funds to the card instrument. A receipt of the transaction may be provided to the customer after the transaction is completed.

公开(公告)号：US12190311B2

公开(公告)日：2025-01-07

申请号：US17954080

申请日：2022-09-27

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06F15/16 ,  G06Q20/22 ,  G06Q20/36 ,  G06Q20/40 ,  H04L51/06 ,  H04L67/104

Abstract: A computing system can provide an interface for users of a messaging service to exchange messages with other users of the messaging service. The system can associate each exchange of messages with an underlying document, and structure the underlying document of each message exchange so that each message as a comment that is embedded or linked to the document.

公开(公告)号：US20240394610A1

公开(公告)日：2024-11-28

申请号：US18674251

申请日：2024-05-24

Applicant: EXPENSIFY, INC.

Inventor： David M. Barrett ,  Anuradha Muralidharan

IPC: G06Q10/02 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q20/34

Abstract: A computer system can implement a network transaction service by monitoring location data from a computing device of a user to confirm that the user is located at a merchant location, receiving transaction data from a point-of-sale terminal of the merchant location, and confirming that the user has left the merchant location based on the location data. The computer system may then automatically execute a transfer operation to fund the transaction using a shared funding account of the network transaction service such that no direct payment interaction is made between the user and the merchant.

公开(公告)号：US12002034B2

公开(公告)日：2024-06-04

申请号：US17734901

申请日：2022-05-02

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/34 ,  G06Q20/02 ,  G06Q20/20

CPC classification number: G06Q20/342 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/347

Abstract: A computer system can receive position information indicating a current location of a user of the network transaction service from a computing device of the user, and generate map content for display on the computing device of the user based on the position information. The map content can indicate locations of a plurality of merchants within a vicinity of the current location of the user that utilize the network transaction service. The system can receive a transaction request from the computing device of the user, the transaction request indicating a transaction amount and a specified merchant of the plurality of merchants. The system then executes a remote transaction operation to transfer funds from a shared account of the network transaction service to a merchant account of the specified merchant to fulfill the transaction request.

公开(公告)号：US11829973B2

公开(公告)日：2023-11-28

申请号：US17568543

申请日：2022-01-04

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/20 ,  G06Q20/40 ,  G06Q20/22

CPC classification number: G06Q20/20 ,  G06Q20/227 ,  G06Q20/4037

Abstract: A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of a transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means.

公开(公告)号：US11627417B2

公开(公告)日：2023-04-11

申请号：US17208154

申请日：2021-03-22

Applicant: Expensify, Inc.

Inventor： David M. Barrett ,  Robert Chen

IPC: H04R1/46 ,  H04R19/04 ,  G10L15/22 ,  H04R1/08 ,  H04R1/14 ,  H04R1/10

Abstract: An interactive system can utilize microtechnology (e.g., a micro-electromechanical system (MEMS)), such as miniaturized microphone (e.g., a bone-conducting microphone), audio output device, microprocessor, and signal conversion and propagation means to create a personal area network (PAN) for a user. The system can include a voice input device (e.g., worn on one or more teeth of the user) that outputs a near-field magnetic induction (NFMI) signal based on a whisper input by the user. The NFMI signal is either detected by the user's mobile device, or converted into a wireless signal (e.g., a Bluetooth RF signal) detectable by the user's mobile device, for receiving voice commands (e.g., to provide personal assistant services) via a designated application running on the mobile device.

公开(公告)号：US20230101795A1

公开(公告)日：2023-03-30

申请号：US17954080

申请日：2022-09-27

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: H04L51/06 ,  H04L67/104

Abstract: A computing system can provide an interface for users of a messaging service to exchange messages with other users of the messaging service. The system can associate each exchange of messages with an underlying document, and structure the underlying document of each message exchange so that each message as a comment that is embedded or linked to the document.

公开(公告)号：US20230094279A1

公开(公告)日：2023-03-30

申请号：US17953990

申请日：2022-09-27

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/36 ,  G06Q20/40 ,  G06Q20/22

Abstract: A computing system can implement an automated peer-to-peer (P2P) transaction service in which digital wallets of users are linked with external accounts. The computing system provides a messaging engine that enables users to create chats in which underlying documents may be associated with a particular chat. The system can process information in the chat to automatic transaction triggers that cause the system to automatically execute wallet-to-wallet transfers between users.

公开(公告)号：US20220247701A1

公开(公告)日：2022-08-04

申请号：US17721190

申请日：2022-04-14

Applicant: Expensify, Inc.

Inventor： David M. Barrett ,  Melissa Aaron

IPC: H04L51/02 ,  H04L51/046

Abstract: A system receives a chat query based on a user interaction on a computing device of user. The system parses the chat query to identify one or more word patterns in the chat query, and determines a matching plug-in from the plug-in library based at least in part on the one or more word patterns in the chat query. The system utilizes the matching plug-in to access one or more resources and determine a chat response for the chat query, and transmit, over the one or more networks, the chat response to the computing device of the user.

公开(公告)号：US20220108295A1

公开(公告)日：2022-04-07

申请号：US17505270

申请日：2021-10-19

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/28

Abstract: A computing system can receive a transaction data set from a computing device of a merchant, which can indicate a transaction between the merchant and a user of a network transaction service. The system verifies the user's location at a merchant location associated with the merchant, and then funds the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shared funding account for an amount corresponding to the transaction.