Computing system implementing a network transaction service

• US 10,572,868 B2
• Filed: 10/03/2018
• Issued: 02/25/2020
• Est. Priority Date: 08/18/2007
• Status: Active Grant

• Current Assignee: Expensify Incorporated
• Original Assignee: Expensify Incorporated
• Inventors: Barrett, David M.
• Primary Examiner(s): Obaid, Fateh M
• Application Number:
  US16/151,256
• Publication Number:
  US 20190034906A1
• Time in Patent Office: 510 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"

Abstract

A computing system implements a network transaction service in which prepaid cards physically residing at merchant locations. Users of the network transaction service can launch a service application to indicate a transaction at the merchant location. A transaction data set is then received from a point-of-sale terminal at the merchant location—corresponding to use of the prepaid card—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 of the transaction.

Claims

1. A computing system implementing a network transaction service, the computing system comprising:

a network communication interface establishing wireless network connections with (i) a service application executing on computing devices of users of the network transaction service, and (ii) point-of sale (POS) terminals of merchants;

a memory storing (i) card identifiers each associated with a prepaid card of a plurality of prepaid cards of the network transaction service, (ii) merchant identifiers each associated with a merchant location at which a corresponding one of the plurality of prepaid cards physically resides, and (iii) user identifiers each associated with a user of the network transaction service; and

one or more processors executing instructions stored in the memory, wherein the instructions, when executed by the one or more processors, cause the computing system to;

for a specified prepaid card physically residing at a current merchant location, fund a funding account of the specified prepaid card from a shared funding source of the network transaction service;

receive, over one or more wireless networks, a customer data set from the service application executing on a computing device of a given user of the network transaction service, the customer data set indicating a transaction by the given user at the current merchant location, the customer data set comprising (i) a user identifier identifying the given user, and (ii) location data indicating that the given user is located at the current merchant location;

determine the merchant identifier of the current merchant location;

based on the merchant identifier, determine the card identifier of the specified prepaid card residing at the current merchant location;

receive, over the one or more wireless networks, a transaction data set from a POS terminal at the current merchant location, the transaction data set indicating an amount of the transaction;

access the funding account of the specified prepaid card to confirm that the amount of the transaction has been processed at the current merchant location;

transmit, over the one or more wireless networks, a communication to the service application executing on the computing device of the given user, the communication identifying the amount of the transaction; and

access a customer account of the given user to transfer the amount of the transaction from the customer account to the shared funding source of the network transaction service.

2. The computing system of claim 1, wherein the executed instructions further cause the computing system to:

prior to accessing the customer account of the given user, determine that the given user has pre-authorized the customer account for transactions using the network transaction service.

3. The computing system of claim 1, wherein the executed instructions further cause the computing system to include an electronic receipt for the transaction in the communication.

4. The computing system of claim 3, wherein the electronic receipt is generated on a user interface of the service application and enables the given user to provide an electronic signature for the transaction.

5. The computing system of claim 4, wherein the electronic receipt further enables the given user to supplement the amount of the transaction with an additional amount.

6. The computing system of claim 1, wherein the POS terminal at the current merchant location comprises a computing device executing a merchant service application specific to the network transaction service.

7. The computing system of claim 1, wherein the merchant identifier associated with the current merchant location further includes a POS identifier indicating the POS terminal of the current merchant location.

8. The computing system of claim 1, wherein the merchant identifier associated with the current merchant location comprises a geographic location of the current merchant location.

9. The computing system of claim 1, wherein the executed instructions cause the computing system to implement one or more security operations for the specified prepaid card, the one or more security operations precluding use of the specified prepaid card at any location other than the current merchant location.

10. A non-transitory computer readable medium storing instructions that, when executed by one or more processors of a computing system, cause the computing system to:

communicate, over one or more wireless networks, with (i) a service application executing on computing devices of users of a network transaction service, and (ii) point-of sale (POS) terminals of merchants;

store, in memory, (i) card identifiers each associated with a prepaid card of a plurality of prepaid cards of the network transaction service, (ii) merchant identifiers each associated with a merchant location at which a corresponding one of the plurality of prepaid cards physically resides, and (iii) user identifiers each associated with a user of the network transaction service;

for a specified prepaid card physically residing at a current merchant location, fund a funding account of the specified prepaid card from a shared funding source of the network transaction service;

receive, over one or more wireless networks, a customer data set from the service application executing on a computing device of a given user of the network transaction service, the customer data set indicating a transaction by the given user at the current merchant location, the customer data set comprising (i) a user identifier identifying the given user, and (ii) location data indicating that the given user is located at the current merchant location;

determine the merchant identifier of the current merchant location;

based on the merchant identifier, determine the card identifier of the specified prepaid card residing at the current merchant location;

receive, over the one or more wireless networks, a transaction data set from a POS terminal at the current merchant location, the transaction data set indicating an amount of the transaction;

access the funding account of the specified prepaid card to confirm that the amount of the transaction has been processed at the current merchant location;

transmit, over the one or more wireless networks, a communication to the service application executing on the computing device of the given user, the communication identifying the amount of the transaction; and

access a customer account of the given user to transfer the amount of the transaction from the customer account to the shared funding source of the network transaction service.

11. The non-transitory computer readable medium of claim 10, wherein the executed instructions further cause the computing system to:

prior to accessing the customer account of the given user, determine that the given user has pre-authorized the customer account for transactions using the network transaction service.

12. The non-transitory computer readable medium of claim 10, wherein the executed instructions further cause the computing system to include an electronic receipt for the transaction in the communication.

13. The non-transitory computer readable medium of claim 12, wherein the electronic receipt is generated on a user interface of the service application and enables the given user to provide an electronic signature for the transaction.

14. The non-transitory computer readable medium of claim 13, wherein the electronic receipt further enables the given user to supplement the amount of the transaction with an additional amount.

15. The non-transitory computer readable medium of claim 10, wherein the POS terminal at the current merchant location comprises a computing device executing a merchant service application specific to the network transaction service.

16. The non-transitory computer readable medium of claim 10, wherein the merchant identifier associated with the current merchant location further includes a POS identifier indicating the POS terminal of the current merchant location.

17. The non-transitory computer readable medium of claim 10, wherein the merchant identifier associated with the current merchant location comprises a geographic location of the current merchant location.

18. The non-transitory computer readable medium of claim 10, wherein the executed instructions cause the computing system to implement one or more security operations for the specified prepaid card, the one or more security operations precluding use of the specified prepaid card at any location other than the current merchant location.

19. A computer-implemented method of implementing a network transaction service, the method being performed by one or more processors and comprising:

communicating, over one or more wireless networks, with (i) a service application executing on computing devices of users of the network transaction service, and (ii) point-of sale (POS) terminals of merchants;

storing, in memory, (i) card identifiers each associated with a prepaid card of a plurality of prepaid cards of the network transaction service, (ii) merchant identifiers each associated with a merchant location at which a corresponding one of the plurality of prepaid cards physically resides, and (iii) user identifiers each associated with a user of the network transaction service;

for a specified prepaid card physically residing at a current merchant location, funding a funding account of the specified prepaid card from a shared funding source of the network transaction service;

receiving, over one or more wireless networks, a customer data set from the service application executing on a computing device of a given user of the network transaction service, the customer data set indicating a transaction by the given user at the current merchant location, the customer data set comprising (i) a user identifier identifying the given user, and (ii) location data indicating that the given user is located at the current merchant location;

determining the merchant identifier of the current merchant location;

based on the merchant identifier, determining the card identifier of the specified prepaid card residing at the current merchant location;

receiving, over the one or more wireless networks, a transaction data set from a POS terminal at the current merchant location, the transaction data set indicating an amount of the transaction;

accessing the funding account of the specified prepaid card to confirm that the amount of the transaction has been processed at the current merchant location;

transmitting, over the one or more wireless networks, a communication to the service application executing on the computing device of the given user, the communication identifying the amount of the transaction; and

accessing a customer account of the given user to transfer the amount of the transaction from the customer account to the shared funding source of the network transaction service.

20. The method of claim 19, further comprising:

prior to accessing the customer account of the given user, determining that the given user has pre-authorized the customer account for transactions using the network transaction service.