# US 2019/0244200 A1 · Real-time processing of requests related to facilitating use of an account

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- Number: US 2019/0244200 A1
- Document ID: US20190244200A1
- Status: Published application
- Kind: A1
- Application number: 15/888,409
- Filed: 2018-02-05
- Published: 2019-08-08
- Earliest claimed: 2018-02-05
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Jeremy PHILLIPS; Zhe LIU; Wenjie LIU
- Web page: https://patentgrep.com/patent/US20190244200A1

## CPC

- 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
- G06Q 30/0215: {Including financial accounts}
- 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 device may receive information related to a first plurality of individuals and an individual. Each of the first plurality of individuals may be associated with a respective one or more accounts. The device may receive a request to match the individual and one or more individuals. The device may determine a match of the individual and the one or more individuals based on the information. The device may receive, from a user device associated with the individual, a selection of an account, of the respective one or more accounts, associated with another individual of the first plurality of individuals. The device may provide, for display to the other individual, a notification that the individual and the other individual have been matched and that the individual selected the account associated with the other individual. The device may perform one or more actions related to completing the transaction using the account.

## Claims

### Claim 1

A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive information related to a transaction that has been completed,
the information identifying:
an amount of the transaction,
an account owner of an account used to complete the transaction,
an individual that used the account of the account owner to complete the transaction, or
a set of benefits received by the account for the transaction,
the individual and the account owner being different;
identify an offer that corresponds to the transaction,
the offer identifying a manner in which to divide the set of benefits between the account and another account associated with the individual;
determine the manner in which to divide the set of benefits between the account and the other account based on the offer; and
update the account and the other account with corresponding portions of the set of benefits after determining the manner in which to divide the set of benefits.

### Claim 2 (depends on 1)

The device of claim 1, where the one or more processors are further configured to:
process the offer to identify the manner in which to divide the set of benefits after identifying the offer; and
where the one or more processors, when determining the manner in which to divide the set of benefits, are configured to:
determine the manner in which to divide the set of benefits after processing the offer.

### Claim 3 (depends on 1)

The device of claim 1, where the one or more processors are further configured to:
process the information related to the transaction to identify the transaction, the account owner, or the individual after receiving the information related to the transaction;
perform a lookup of the information related to the transaction in a data structure after processing the information; and
where the one or more processors, when identifying the offer, are configured to:
identify the offer based on a result of the lookup indicating a match.

### Claim 4 (depends on 1)

The device of claim 1, where the one or more processors, when updating the account or the other account, are configured to:
provide, to a server device associated with the account or the other account, information that identifies the corresponding portions of the set of benefits for the account or the other account; and
output a report that identifies that the account or the other account have been updated.

### Claim 5 (depends on 1)

The device of claim 1, where the set of benefits includes:
cash back,
a quantity of rewards points,
a quantity of loyalty points, or
a discount.

### Claim 6 (depends on 1)

The device of claim 1, where the one or more processors are further configured to:
generate a report that includes the information related to the transaction or the corresponding portions of the set of benefits after updating the account or the other account; and
output the report after generating the report.

### Claim 7 (depends on 1)

The device of claim 1, where the one or more processors are further configured to:
perform an action to prevent the individual from using the account for another transaction after the transaction has been completed.

### Claim 8

A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors, cause the one or more processors to:
receive information related to a transaction that has been completed,
the information being received from a transaction backend device;
identify an offer that corresponds to the transaction,
the offer identifying a manner in which to divide a set of benefits received for the transaction;
determine the manner in which to divide the set of benefits between an account used to complete the transaction and another account associated with an individual that used the account; and
update the account and the other account with corresponding portions of the set of benefits after determining the manner in which to divide the set of benefits.

### Claim 9 (depends on 8)

The non-transitory computer-readable medium of claim 8, where the one or more instructions, when executed by the one or more processors, cause the one or more processors to:
process the offer to identify at least one of:
a first percentage of the set of benefits to be provided to the account and a second percentage of the set of benefits to be provided to the other account,
a first amount of the set of benefits to be provided to the account and a second amount of the set of benefits to be provided to the other account, or
a schedule of values to be provided for different amounts of the set of benefits received.

### Claim 10 (depends on 8)

The non-transitory computer-readable medium of claim 8, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
send a message to a user device associated with an owner of the account or the individual to indicate that the transaction has been completed or that the set of benefits was divided between the account and the other account.

### Claim 11 (depends on 8)

The non-transitory computer-readable medium of claim 8, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
generate the other account after determining the manner in which to divide the set of benefits,
the account being associated with the set of benefits; and
where the one or more instructions, that cause the one or more processors to update the account and the other account, cause the one or more processors to:
update the account and the other account after generating the other account.

### Claim 12 (depends on 8)

The non-transitory computer-readable medium of claim 8, where the one or more instructions, when executed by the one or more processors, cause the one or more processors to:
request feedback from the individual or an owner of the account regarding use of the account to complete the transaction; and
update one or more records related to the individual or the owner based on the feedback.

### Claim 13 (depends on 8)

The non-transitory computer-readable medium of claim 8, where the one or more instructions, when executed by the one or more processors, cause the one or more processors to:
modify the manner in which the set of benefits is to be divided based on one or more other offers; and
where the one or more instructions, that cause the one or more processors to update the account and the other account, cause the one or more processors to:
update the account or the other account after modifying the manner in which the set of benefits is to be divided.

### Claim 14 (depends on 8)

The non-transitory computer-readable medium of claim 8, where the one or more instructions, that cause the one or more processors to determine the manner in which to divide the set of benefits, cause the one or more processors to:
determine whether to provide a same type of benefit, or different types of benefits, to the account and the other account based on the set of benefits received for the transaction.

### Claim 15

A method, comprising:
receiving, by a device, information related to a transaction that has been completed using an account associated with an account owner,
the account owner being different than an individual that used the account to complete the transaction;
identifying, by the device, an offer that corresponds to the transaction,
the offer identifying a manner in which to divide a set of benefits received for the transaction between the account and another account associated with the individual;
determining, by the device, the manner in which to divide the set of benefits between the account and the other account based on the offer; and
updating, by the device, the account and the other account with corresponding portions of the set of benefits after determining the manner in which to divide the set of benefits.

### Claim 16 (depends on 15)

The method of claim 15, where updating the account and the other account comprises:
updating the account and the other account with different types of benefits after determining the manner in which to divide the set of benefits; and
requesting, from a server device, an update to the set of benefits associated with use of the account.

### Claim 17 (depends on 15)

The method of claim 15, further comprising:
processing the offer to identify the manner in which to divide the set of benefits after receiving the information related to the transaction; and
where determining the manner in which to divide the set of benefits comprises:
determining the manner in which to divide the set of benefits after processing the offer.

### Claim 18 (depends on 17)

The method of claim 17, where updating the account or the other account comprises:
updating the account with a first portion of the set of benefits of the corresponding portions of the set of benefits; and
updating the other account with a second portion of the set of benefits of the corresponding portions of the set of benefits.

### Claim 19 (depends on 15)

The method of claim 15, further comprising:
providing, to a transaction backend device, information to prevent a security token associated with permitting use of the account from being used for another transaction.

### Claim 20 (depends on 15)

The method of claim 15, further comprising:
removing information identifying the individual from information identifying a set of individuals authorized to use the account to complete transactions.