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US 11,769,135 B1Granted
Global cache tool systems and methods for adding new payees
AssigneeWells Fargo Bank, N.A.
InventorsSabitha Dachepalli, Remo DeLeon, Peter Rozovski
Life of this patent
Estimating the term…
Abstract
Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers to search locally stored payee databases on their mobile devices for payee information. The cached version of the payee database is updated with updated payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.
Claims14
A system for preparing customer payment requests, the system comprising:
- a payee database including payee profile information associated with a plurality of payees;
- one or more processors;
- and
- machine-executable data, that when executed by the one or more processors, causes the one or more processors to:
- generate, by the one or more processors using the payee database, a first cache version of the payee database;
- refine, by the one or more processors, matching payees to at least one popular payee category of a plurality of payee categories, wherein the refining comprises:
- determining, by the one or more processors, the at least one popular payee category of the plurality of payee categories based on at least one previously submitted customer payment request;
- categorizing, by the one or more processors, the at least one popular payee category by identifying at least one account having account information that matches account information of a current user;
- receive, by the one or more processors, at least one payment request from the current user;
- determine, by the one or more processors, that payee data associated with the at least one payment request is not included in the first cache version of the payee database;
- generate, by the one or more processors using the payee database, a second cache version of the payee database, the second cache version of the payee database including the payee data;
- and
- transmit, by the one or more processors via a network communicatively coupled to a customer mobile device of the current user, the second cache version of the payee database;
- wherein at least one of the first cache version of the payee database and the second cache version of the payee database is configured to be searched only if a minimum quantity of one or both of letters and digits of payee information are entered into a search query;
- and
- wherein at least one of the first cache version of the payee database and the second cache version of the payee database are configured to be searched based on at least one of a letter or a digit being entered into the search query that contains less than all of the payee profile information from the payee database.
13 more elements
A computer implemented method of maintaining an updated payee database, the method comprising:
- maintaining, by one or more processors, a payee database including payee profile information associated with a plurality of payees;
- generating, by the one or more processors using the payee database, a first cache version of the payee database;
- refining, by the one or more processors, matching payees to at least one popular payee category of a plurality of payee categories, wherein the refining comprises:
- determining, by the one or more processors, the at least one popular payee category of the plurality of payee categories based on at least one previously submitted customer payment request;
- categorizing, by the one or more processors, the at least one popular payee category by identifying at least one account having account information that matches account information of a current user;
- receiving, by the one or more processors, at least one payment request from the current user;
- determining, by the one or more processors, that payee data associated with the at least one payment request is not included in the first cache version of the payee database;
- generating, by the one or more processors using the payee database, a second cache version of the payee database, the second cache version of the payee database including the payee data;
- and
- transmitting, by the one or more processors via a network communicatively coupled to a customer mobile device of the current user, the second cache version of the payee database;
- wherein at least one of the first cache version of the payee database and the second cache version of the payee database is configured to be searched only if a minimum quantity of one or both of letters and digits of payee information are entered into a search query;
- and
- wherein at least one of the first cache version of the payee database and the second cache version of the payee database are configured to be searched based on at least one of a letter or a digit being entered into the search query that contains less than all of the payee profile information from the payee database.
10 more elements
A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by one or more processors of a computing system, cause the one or more processors to:
- maintain a payee database including payee profile information associated with a plurality of payees;
- generate, using the payee database, a first cache version of the payee database;
- refine matching payees to at least one popular payee category of a plurality of payee categories, wherein the refining comprises:
- determining the at least one popular payee category of the plurality of payee categories based on at least one previously submitted customer payment request;
- categorizing the at least one popular payee category by identifying at least one account having account information that matches account information of a current user;
- receive at least one payment request from the current user;
- determine that payee data associated with the at least one payment request is not included in the first cache version of the payee database;
- generate, using the payee database, a second cache version of the payee database, the second cache version of the payee database including the payee data;
- and
- transmit, via a network communicatively coupled to a customer mobile device of the current user, the second cache version of the payee database;
- wherein at least one of the first cache version of the payee database and the second cache version of the payee database is configured to be searched only if a minimum quantity of one or both of letters and digits of payee information are entered into a search query;
- and
- wherein at least one of the first cache version of the payee database and the second cache version of the payee database are configured to be searched based on at least one of a letter or a digit being entered into the search query that contains less than all of the payee profile information from the payee database.
10 more elements
Dependencies are inferred from the claim text.