SYSTEMS AND METHODS FOR MULTICOMPUTER DATA TRANSFERRING IN RESPONSE TO INPUT FROM A USER DEVICE

• US 20200134594A1
• Filed: 12/31/2018
• Published: 04/30/2020
• Est. Priority Date: 10/31/2018
• Status: Active Application

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: PANNEERSELVAM, Arun
• Application Number:
  US16/237,624
• Publication Number:
  US 20200134594A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 45/74 Address processing for routing
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 69/22 Parsing or analysis of headers

Abstract

The present disclosure relates to systems and methods for multicomputer data transferring in response to user input. In one implementation, a system for multicomputer data transferring may include at least one server configured to: receive, from a first user device, a command to transfer a portion of a transaction associated with a first user to a second user; in response to the command, transmit an inquiry to a second user device; receive, from the second user device and in response to the inquiry, an authorization for transfer; determine, based on the command and the authorization, a server associated with the second user; assemble a data packet representing the portion of the transaction; transmit the data packet across a computer network to the determined server; and update a record associated with the first user and stored on the at least one server to reflect the transferred portion.

Claims

1-20. -20. (canceled)

21. A system for multicomputer data transferring in response to user input, the system comprising at least one server, the at least one server comprising:

at least one memory storing instructions; and

at least one processor configured to execute the instructions to perform operations comprising;

receiving a transaction associated with a first user of a first user device;

retrieving, from a server storing a calendar associated with the first user, one or more events within a range of a date and time of the received transaction;

identifying, using the one or more events, one or more possible second users for sharing the received transaction;

transmitting inquiries to one or more second user devices associated with the one or more possible second users, the inquiries including a total of the received transaction;

receiving, from at least one second user device associated with at least one second user and in response to the inquiries, an authorization for transfer, the authorization including an indicator of a portion of the transaction;

determining, based on the authorization, a server associated with the at least one second user;

assembling a data packet representing the portion of the transaction and addressing the data packet to the determined server;

transmitting the data packet across at least one computer network to the determined server; and

updating a record associated with the first user and stored on the at least one server of the system to reflect the transferred portion of the transaction.

22. The system of claim 21, wherein the inquiries comprise application programming interface (API) calls to applications executed by the second user devices associated with the one or more possible second users.

23. The system of claim 21, wherein the authorization includes a selection of a record stored on the determined server for updating to reflect the transfer.

24. The system of claim 23, wherein the assembled data packet includes:

a header including an address of the determined server, and

a body including an indicator of the selected record and an indicator of the portion of the transaction.

25. The system of claim 21, wherein the assembled data packet includes an authentication of the at least one server.

26. The system of claim 25, wherein the authentication comprises an authentication provided by the at least one second user in the authorization.

27. The system of claim 25, wherein the authentication comprises an authentication previously provided from the determined server to the at least one server.

28. The system of claim 21, wherein the operations further comprise:

determining, based on identities of the one or more possible second users, whether the one or more possible second users have associated records of a first type;

when the at least one second user has an associated record of the first type, determining a first set of records of the first type stored on the determined server for updating to reflect the transfer; and

when the at least one second user does not have an associated record of the first type, determining a second set of records not of the first type stored on the determined server for updating to reflect the transfer.

29. The system of claim 28, wherein the first set of records of the first type represents a plurality of accounts having an associated account servicer that is the same as an associated account servicer of an account represented by the record associated with the first user.

30. The system of claim 28, wherein the second set of records not of the first type represents a plurality of accounts having an associated account servicer that is not the same as an associated account servicer of an account represented by the record associated with the first user.

31. A system for multicomputer data transferring in response to user input, the system comprising at least one server, the at least one server comprising:

at least one memory storing instructions; and

at least one processor configured to execute the instructions to perform operations comprising;

receiving, from a user device associated with the first user, an authorization including an indicator of a portion of a transaction for transferring from a second user to the first user;

in response to and based on the authorization, determining a server associated with the second user and a record associated with the first user;

updating the determined record based on the authorization such that the determined record reflects the transferred portion of the transaction;

assembling a confirmatory data packet and addressing the confirmatory data packet to the determined server; and

transmitting the confirmatory data packet across at least one computer network to the server associated with the second user.

32. The system of claim 31, wherein the operations further comprise:

generating an inquiry and transmitting the inquiry to the user device associated with the first user; and

receiving, from the user device and in response to the inquiry, the authorization.

33. The system of claim 32, wherein the authorization includes an authentication associated with the first user.

34. The system of claim 33, wherein the authentication comprises an authentication input by the second user into the user device.

35. The system of claim 33, wherein the authentication comprises an authentication relationship previously established between an application executed by the user device and the at least one server.

36. The system of claim 31, wherein the confirmatory data packet is configured to cause the server associated with the second user to transmit a confirmation to a second user device associated with the second user.

37. The system of claim 31, wherein determining the record associated with the first user comprises:

determining, based on an identity of the first user, whether the first user has an associated record of a first type;

when the first user has an associated record of the first type, selecting the associated record of the first type as the determined record; and

when the first user does not have an associated record of the first type, selecting an associated record not of the first type as the determined record.

38. The system of claim 37, wherein the first type comprises accounts having an associated account servicer that is the same as an associated account servicer of an account associated with the second user from which the transfer originated.

39. The system of claim 37, wherein the second type comprises accounts having an associated account servicer that is not the same as an associated account servicer of an account associated with the second user from which the transfer originated.

40. A user device for causing multicomputer data transferring, the user device comprising:

at least one memory storing instructions; and

at least one processor configured to execute the instructions to perform operations comprising;

transmitting, to a server associated with the user device, a command to authorize a transaction to an account associated with a first user;

transmitting an authorization to the server to access a calendar associated with the first user stored on another sever;

receiving an inquiry relating at least one event on the calendar with the transaction;

transmitting confirmation in response to the inquiry to the server; and

receiving confirmation from the server, the confirmation indicating sharing of the transaction with one or more users associated with the at least one event.