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公开(公告)号：US20240104536A1
公开(公告)日：2024-03-28
申请号：US18380040
申请日：2023-10-13
Applicant: Expensify, Inc.
Inventor： David M. Barrett
CPC classification number: G06Q20/20 , G06Q20/227 , G06Q20/4037
Abstract: A computing system can receive a primary authorization request from a merchant terminal of a merchant, the primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with the merchant. Based on receiving the primary authorization request, the system can determine that an account balance of the prepaid payment means comprises inadequate funds to fulfill the transaction and automatically transmit a secondary authorization request to a financial entity associated with an account of the user. Upon receiving an approval of the secondary authorization request, the system can execute a transfer for a difference amount, based on an amount corresponding to the transaction, from the account of the user to an account associated with the merchant.
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公开(公告)号：US11663654B2
公开(公告)日：2023-05-30
申请号：US16733119
申请日：2020-01-02
Applicant: Expensify, Inc.
Inventor： David M. Barrett , Kevin Michael Kuchta
IPC: G06Q20/04 , G06V10/98 , G06V30/224 , G06V30/413 , G06Q40/02 , G06Q40/00 , G06Q40/12
CPC classification number: G06Q20/045 , G06Q40/02 , G06Q40/12 , G06V10/98 , G06V30/224 , G06V30/413
Abstract: A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. The computer system can then execute image processing logic to determine a set of information items from the image. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the set of information items using the matching transaction.
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公开(公告)号：US20200226578A1
公开(公告)日：2020-07-16
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.
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公开(公告)号：US20200210971A1
公开(公告)日：2020-07-02
申请号：US16733119
申请日：2020-01-02
Applicant: Expensify, Inc.
Inventor： David M. Barrett , Kevin Michael Kuchta
Abstract: A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. The computer system can then execute image processing logic to determine a set of information items from the image. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the set of information items using the matching transaction.
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5.发明申请公开(公告)号：US20190392358A1
公开(公告)日：2019-12-26
申请号：US16529410
申请日：2019-08-01
Applicant: Expensify, Inc.
Inventor： David M. Barrett , Anuradha Muralidharan
Abstract: A computer system can implement a network transaction service through communications with computing devices of users of the service, a reservation store of registered businesses, and point-of-sale terminals of the registered businesses. The computer system can access the reservation store to detect a reservation made by a respective user of the network transaction service with a selected business. The computer system can then receive a request made by the respective user to utilize the network transaction service at a merchant location of the selected business within a predetermined threshold after a reservation time. The computer system can then receive transaction data from a point-of-sale terminal of the selected business, fund the transaction using a shared funding account of the network transaction service, and transfer funds from a customer account of the respective user to the shared funding account in an amount corresponding to the transaction.
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Patent Agency Ranking
公开(公告)号：US10163092B2
公开(公告)日：2018-12-25
申请号：US14730155
申请日：2015-06-03
Applicant: Expensify, Inc.
Inventor： David M. Barrett
IPC: 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.
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公开(公告)号：US20160042471A1
公开(公告)日：2016-02-11
申请号：US14887079
申请日：2015-10-19
Applicant: Expensify, Inc.
Inventor： David M. Barrett , Kevin Michael Kuchta
CPC classification number: G06Q40/12 , G06K9/03 , G06K9/18 , G06Q20/401 , G06Q40/02
Abstract: A service can perform optical character recognition (OCR) on an image of a record to determine a first set of information items about the record. A second set of information items can be identified that are likely part of the record but not determinable from performing OCR on the image. Another resource can be utilized to determine the second set of information items. A classification for the record can be determined based on first and second sets of information items. The record can be associated with a financial resource of the user based at least in part on the classification.
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公开(公告)号：US20150269560A1
公开(公告)日：2015-09-24
申请号：US14730139
申请日：2015-06-03
Applicant: Expensify, Inc.
Inventor： David M. Barrett
CPC classification number: G06Q20/342 , G06Q20/02 , G06Q20/20 , G06Q20/347
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。
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公开(公告)号：US20240296439A1
公开(公告)日：2024-09-05
申请号：US18648070
申请日：2024-04-26
Applicant: EXPENSIFY, INC.
Inventor： David M. Barrett
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.
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公开(公告)号：US12020181B2
公开(公告)日：2024-06-25
申请号：US17317521
申请日：2021-05-11
Applicant: Expensify, Inc.
Inventor： David M. Barrett , Anuradha Muralidharan
CPC classification number: G06Q10/02 , G06Q20/102 , G06Q20/12 , G06Q20/28 , G06Q20/342 , G06Q20/349
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.
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