# US 12,002,034 B2 · Computing system implementing a network transaction service

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- Number: US 12,002,034 B2
- Document ID: US12002034B2
- Status: Granted
- Kind: B2
- Application number: 17/734,901
- Filed: 2022-05-02
- Published: 2022-10-20
- Granted: 2024-06-04
- Earliest claimed: 2007-08-18
- Assignees: Expensify, Inc.
- Applicants: Expensify, Inc.
- Inventors: David M. Barrett
- Web page: https://patentgrep.com/patent/US12002034B2

## CPC

- G06Q 20/342: {Cards defining paid or billed services or quantities}
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/347: {Passive cards}
- 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

## 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.

## Claims

### Claim 1

A computer system implementing a network transaction service, the computer system comprising:
a network communication interface;
one or more processors; and
a memory storing instructions that, when executed by the one or more processors, cause the computer system to:
receive, via the network communication interface, position information indicating a current location of a user of the network transaction service from a computing device of the user;
based on the position information, generate map content for display on the computing device of the user, the map content indicating locations of a plurality of merchants within a vicinity of the current location of the user that utilize the network transaction service;
receive, via the network communication interface, 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;
connect, via the network communication interface, to a computer terminal of the specified merchant in the transaction request;
transmit, via the network communication interface, a message to the computer terminal of the specified merchant, the message indicating that the user is utilizing the network transaction service for the transaction request; and
based on the transaction request, execute 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.

### Claim 2 (depends on 1)

The computer system of claim 1, wherein the position information is received from a positioning system of the computing device of the user, and wherein the executed instructions further cause the computer system to:
based on the position information, confirm that the user is co-located with the specified merchant prior to executing the remote transaction operation.

### Claim 3 (depends on 1)

The computer system of claim 1, wherein the executed instructions further cause the computer system to:
receive, from the computer terminal of the specified merchant via the network communication interface, a confirmation that the specified merchant authorizes use of the network transaction service to fulfill the transaction request from the user; and
based on the confirmation, transmit, via the network communication interface, a notification to the computing device of the user, the notification indicating that the transaction request has been authorized.

### Claim 4 (depends on 1)

The computer system of claim 1, wherein the executed instructions further cause the computer system to:
transmit, via the network communication interface, an electronic receipt corresponding to the transaction request to the computing device of the user.

### Claim 5 (depends on 1)

The computer system of claim 1, wherein the executed instructions further cause the computer system to:
receive, via the network communication interface, a pre-authorization from a financial entity corresponding to a customer account of the user for the transaction amount indicated in the transaction request;
wherein the executed instructions cause the computer system to remotely transfer the transaction amount from the customer account to the shared account based on the pre-authorization.

### Claim 6 (depends on 1)

The computer system of claim 1, wherein the computer system processes the transaction request from the user without the user and the specified merchant communicating directly with one another.

### Claim 7

A non-transitory computer readable medium storing instructions for managing a network transaction service, wherein the instructions, when executed by one or more processors of a computer system, cause the computer system to:
receive, via a network communication interface, position information indicating a current location of a user of the network transaction service from a computing device of the user;
based on the position information, generate map content for display on the computing device of the user, the map content indicating locations of a plurality of merchants within a vicinity of the current location of the user that utilize the network transaction service;
receive, via the network communication interface, 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; and
based on the transaction request, execute 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;
wherein the computer system processes the transaction request from the user without the user and the specified merchant communicating directly with one another.

### Claim 8 (depends on 7)

The non-transitory computer readable medium of claim 7, wherein the position information is received from a positioning system of the computing device of the user, and wherein the executed instructions further cause the computer system to:
based on the position information, confirm that the user is co-located with the specified merchant prior to executing the remote transaction operation.

### Claim 9 (depends on 7)

The non-transitory computer readable medium of claim 7, wherein the network communication interface further remotely connects the computer system to a computer terminal of the specified merchant.

### Claim 10 (depends on 9)

The non-transitory computer readable medium of claim 9, wherein the executed instructions further cause the computer system to:
transmit, via the network communication interface, a message to the computer terminal of the specified merchant, the message indicating that the user is utilizing the network transaction service for the transaction request.

### Claim 11 (depends on 10)

The non-transitory computer readable medium of claim 10, wherein the executed instructions further cause the computer system to:
receive, from the computer terminal of the specified merchant via the network communication interface, a confirmation that the specified merchant authorizes use of the network transaction service to fulfill the transaction request from the user; and
based on the confirmation, transmit, via the network communication interface, a notification to the computing device of the user, the notification indicating that the transaction request has been authorized.

### Claim 12 (depends on 7)

The non-transitory computer readable medium of claim 7, wherein the executed instructions further cause the computer system to:
transmit, via the network communication interface, an electronic receipt corresponding to the transaction request to the computing device of the user.

### Claim 13 (depends on 7)

The non-transitory computer readable medium of claim 7, wherein the executed instructions further cause the computer system to:
receive, via the network communication interface, a pre-authorization from a financial entity corresponding to a customer account of the user for the transaction amount indicated in the transaction request;
wherein the executed instructions cause the computer system to remotely transfer the transaction amount from the customer account to the shared account based on the pre-authorization.

### Claim 14

A computer-implemented method of managing a network transaction service, the method being performed by one or more processors and comprising:
receiving, via a network communication interface, position information indicating a current location of a user of the network transaction service from a computing device of the user;
based on the position information, generating map content for display on the computing device of the user, the map content indicating locations of a plurality of merchants within a vicinity of the current location of the user that utilize the network transaction service;
receiving, via the network communication interface, 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;
connecting, via the network communication interface, to a computer terminal of the specified merchant in the transaction request;
transmitting, via the network communication interface, a message to the computer terminal of the specified merchant, the message indicating that the user is utilizing the network transaction service for the transaction request; and
based on the transaction request, executing 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.

### Claim 15 (depends on 14)

The method of claim 14, wherein the position information is received from a positioning system of the computing device of the user, the method further comprising:
based on the position information, confirming that the user is co-located with the specified merchant prior to executing the remote transaction operation.