# US 11,443,338 B2 · Stock rewards in consumer transactions

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- Number: US 11,443,338 B2
- Document ID: US11443338B2
- Status: Granted
- Kind: B2
- Application number: 16/808,108
- Filed: 2020-03-03
- Published: 2020-09-10
- Granted: 2022-09-13
- Earliest claimed: 2019-03-05
- Assignees: Stash Financial, Inc.
- Applicants: Stash Financial, Inc.
- Inventors: Clifford Hazelton; Adam Finley; Michael Barany; Kyle Schustak; Brandon Krieg; Edward Robinson; Evan Weiss
- Web page: https://patentgrep.com/patent/US11443338B2

## CPC

- G06Q 30/0216: {Investment accounts}
- G06N 3/08: Learning methods
- G06N 3/10: Interfaces, programming languages or software development kits, e.g. for simulating neural networks
- G06Q 10/10: Office automation; Time management
- G06Q 20/127: {Shopping or accessing services according to a time-limitation}
- G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/387: {Payment using discounts or coupons (relating to marketing G06Q30/02)}
- G06Q 30/0213: {Consumer transaction fees}
- G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
- G07F 17/0035: {Participation in a loyalty or discount scheme (data processing for shopping and discounts G06Q30/00)}
- H04L 63/123: {received data contents, e.g. message integrity}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A method that includes receiving a string from a remote station, the string associated with an interaction event between a user and the remote station, is provided. The method includes verifying that the string includes a content validation for a user account in a network service, mapping at least a portion of the string to a ticker symbol associated with an entry in a database and transmitting, to the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service. A system configured to execute the above method is also provided.

## Claims

### Claim 1

A computer-implemented method, comprising:
receiving, in a remote server, a string from a remote station, the string associated with an interaction event between a user and the remote station, wherein the interaction event includes a purchasing transaction;
verifying, according to business rules in a stock rewards engine in the remote server, that the string includes a content validation for a user account in a network service, wherein the content validation includes a user credential;
mapping, with a match analyzer tool in the stock rewards engine, at least a portion of the string to a ticker symbol associated with an entry in a database;
transmitting, with a communications module in the remote server, to a client device with the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service, wherein mapping at least a portion of the string to a ticker symbol comprises identifying an industry from one of an industry category, and industry code, or an industry description in the portion of the string, and selecting the ticker symbol for a generic trade fund associated with the industry;
providing, via a communications module, a graphic payload to a user interface in the client device for the user, the graphic payload including active components;
receiving from the user an activation signal from one of the active components; and
modifying a rewards account for the user based on the business rules in the stock rewards engine.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, wherein transmitting a message indicating that a stock portion associated with the ticker symbol comprises including in the message a public icon of an asset corresponding to the ticker symbol.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, further comprising determining the fractional value associated with the ticker symbol based on an interaction value and a subscription policy for the user.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, further comprising returning a null value when no match is found for the string in the database.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, wherein mapping at least a portion of the string to a ticker symbol comprises matching a merchant name string with an entry associated with the ticker symbol in the database.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, wherein the database includes an exclusion list with sub-strings associated with merchant names, further comprising mapping a string that matches an entry in the exclusion list to one of a null result or a generic trade fund based on the string.

### Claim 7 (depends on 1)

The computer-implemented method of claim 1, wherein the database includes a black list with sub-strings associated with merchant names, further comprising mapping a string that matches an entry in the black list to a null result.

### Claim 8 (depends on 1)

The computer-implemented method of claim 1, wherein mapping at least a portion of the string to a ticker symbol comprises capturing, with a regular expression, the portion of the string, and matching the portion of the string with the entry in the database.

### Claim 9 (depends on 1)

The computer-implemented method of claim 1, wherein the portion of the string is associated with a merchant managing the remote station and includes one of a merchant name string, a purchase location string, an industry category string, an industry code string, and an industry location string, and mapping the portion of the string to the ticker symbol comprises determining a matching value with an industry in the database, based on the merchant name string, the purchase location string, the industry category string, the industry code string, and the industry location string.

### Claim 10

A system, comprising:
a memory circuit configured to store multiple instructions; and
one or more processors configured to execute the instructions to cause the system to:
receive, in a remote server, a string from a remote station, the string associated with a purchase by a user;
verify, according to business rules in a stock rewards engine in the remote server, that the string includes a content validation for a user account in a network service, wherein the content validation includes a user credential;
map at least a portion of the string to a ticker symbol associated with an entry in a database;
transmit, with a communications module in the remote server, to a client device with the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service, wherein to map at least a portion of the string to a ticker symbol the one or more processors execute instructions to verify that at least a portion of the string is not included in a blacklist or in an exclusion list stored in the database;
provide, via a communications module, a graphic payload to a user interface in the client device for the user, the graphic payload including active components;
receive from the user an activation signal from one of the active components; and
modify, in the memory circuit, a rewards account for the user based on the business rules in the stock rewards engine.

### Claim 11 (depends on 10)

The system of claim 10, wherein the string comprises a transaction record including at least one of a merchant industry code, a merchant industry description, a merchant name, and a geographic information of a transaction.

### Claim 12 (depends on 10)

The system of claim 10, further comprising a business rules block storing instructions which, when executed by the one or more processors execute instructions to cause the system to transmit, to the user, a message indicating that an added value certificate is available to supplement the fractional value.

### Claim 13 (depends on 10)

The system of claim 10, further comprising a neural network block including instructions which, when executed by the one or more processors, cause the system to update a match analyzer tool that maps the portion of the string to the ticker symbol associated with the entry in the database.