公开(公告)号：US11263611B2

公开(公告)日：2022-03-01

申请号：US16869379

申请日：2020-05-07

Applicant: Expensify, Inc.

Inventor： David M. Barrett

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

Abstract: A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of the 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. Based on receiving the approval, the system can transmit an authorization to the point-of-sale terminal of the merchant to authorize the primary authorization request for the transaction.

公开(公告)号：US11210649B2

公开(公告)日：2021-12-28

申请号：US16741245

申请日：2020-01-13

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/28

Abstract: A computing system implements a network transaction service. Users of the network transaction service can launch a service application to indicate a transaction at a location of a merchant. A transaction data set is then received from a point-of-sale terminal of the merchant, which enables the computing system to fund 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 shard funding account for an amount corresponding to the transaction.

公开(公告)号：US20190220849A1

公开(公告)日：2019-07-18

申请号：US16366934

申请日：2019-03-27

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 implement a network transaction service by receiving a transaction request from a computing device of a requesting user that has a customer account linked to the network transaction service. Based on the transaction request, the computer system can determine a merchant account of the registered merchant that is linked to the network transaction service. The computer system can then execute a remote transaction operation to transfer funds from a shared account of the network transaction service to the merchant account to fulfill the transaction request, where the shared account is different from the customer account of the requesting user.

公开(公告)号：US10068225B2

公开(公告)日：2018-09-04

申请号：US14730139

申请日：2015-06-03

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/00 ,  G06Q20/34 ,  G06Q20/02 ,  G06Q20/20

Abstract: A network service operates to initialize and link a card instrument to a merchant or merchant location, so that the merchant can receive funds the service. One or more requests are detected to use the card instrument for one or more transactions, where each transaction involves a corresponding customer who has registered a customer funding account with the network service. For each of the transactions, a merchant account is funded using a funding account of the card instrument.

公开(公告)号：US20180096327A1

公开(公告)日：2018-04-05

申请号：US15785221

申请日：2017-10-16

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/20

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

Abstract: A system, computer readable medium, and method of receiving a primary authorization request at a first authorization switch using a prepaid card that lacks adequate funds in the prepaid account to cover the requested purchase amount, and initiating a secondary authorization request using a funding account identifier associated with a funding account that does contain adequate funds to cover the requested purchase amount.

公开(公告)号：US20150269561A1

公开(公告)日：2015-09-24

申请号：US14730155

申请日：2015-06-03

Applicant: Expensify, Inc.

Inventor： David M. Barrett

IPC: G06Q20/34 ,  G06Q20/10 ,  G06Q20/26 ,  G06Q20/40 ,  G06Q20/20

CPC classification number: G06Q20/28

Abstract: A network service operates to initialize and link a card instrument to a merchant or merchant location, so that the merchant can receive funds the service. One or more requests are detected to use the card instrument for one or more transactions, where each transaction involves a corresponding customer who has registered a customer funding account with the network service. For each of the transactions, a merchant account is funded using a funding account of the card instrument.

Abstract translation: 网络服务操作以将卡乐器初始化并链接到商家或商家位置，使得商家可以接收该服务的资金。 检测到一个或多个请求以将卡片工具用于一个或多个交易，其中每个交易涉及已经向网络服务注册了客户资金账户的对应客户。 对于每个交易，商户帐户都是使用卡片工具的资金账户资助的。