Expensify, Inc.

Other

Espensify, Inc.

David M Barrett

Kevin Michael Kuchta

Anuradha Muralidharan

Melissa Aaron

Robert J Chen

Timothy John Brown

Witold Stankiewicz

A computing system can receive a primary authorization request from a merchant terminal of a merchant, the primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with the merchant. Based on receiving the primary authorization request, the system can determine that an account balance of the prepaid payment means comprises inadequate funds to fulfill the transaction and automatically transmit a secondary authorization request to a financial entity associated with an account of the user. Upon receiving an approval of the secondary authorization request, the system can execute a transfer for a difference amount, based on an amount corresponding to the transaction, from the account of the user to an account associated with the merchant.

Computing system implementing secondary authorizations for prepaid transactions

A system receives a chat query based on a user interaction on a computing device of user. The system parses the chat query to identify one or more word patterns in the chat query, and determines a matching plug-in from the plug-in library based at least in part on the one or more word patterns in the chat query. The system utilizes the matching plug-in to access one or more resources and determine a chat response for the chat query, and transmit, over the one or more networks, the chat response to the computing device of the user.

Chat management system

An interactive system can utilize microtechnology (e.g., a micro-electromechanical system (MEMS)), such as miniaturized microphone (e.g., a bone-conducting microphone), audio output device, microprocessor, and signal conversion and propagation means to create a personal area network (PAN) for a user. The system can include a voice input device (e.g., worn on one or more teeth of the user) that outputs a near-field magnetic induction (NFMI) signal based on a whisper input by the user. The NFMI signal is either detected by the user's mobile device, or converted into a wireless signal (e.g., a Bluetooth RF signal) detectable by the user's mobile device, for receiving voice commands (e.g., to provide personal assistant services) via a designated application running on the mobile device.

Voice interactive system

A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. The computer system can then execute image processing logic to determine a set of information items from the image. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the set of information items using the matching transaction.

System and method for processing transaction records for users

A computing system can provide an interface for users of a messaging service to exchange messages with other users of the messaging service. The system can associate each exchange of messages with an underlying document, and structure the underlying document of each message exchange so that each message as a comment that is embedded or linked to the document.

Chat abstraction layer for a peer-to-peer transaction service

A computer system can implement a network transaction service by monitoring location data from a computing device of a user to confirm that the user is located at a merchant location, receiving transaction data from a point-of-sale terminal of the merchant location, and confirming that the user has left the merchant location based on the location data. The computer system may then automatically execute a transfer operation to fund the transaction using a shared funding account of the network transaction service such that no direct payment interaction is made between the user and the merchant.

Automatic location-based transaction service trigger

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.

Computing system implementing a network transaction service

A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of a transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means.

A computing system can receive a transaction data set from a computing device of a merchant, which can indicate a transaction between the merchant and a user of a network transaction service. The system verifies the user's location at a merchant location associated with the merchant, and then funds the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shared funding account for an amount corresponding to the transaction.

A computer system initiates a chat upon receiving a chat input from a user. The computer system records a chat state for the chat. When the chat is at the chat state, the computer system can operate to determine a search criterion from the chat input. The computer can then select a chat response from a chat library based at least in part on the chat state and the search criterion. The chat response can be communicated to the user.

Computer system providing a chat engine

A computer system can determine a set of merchant locations utilizing a network transaction service within a vicinity of a user based on position information from the computing device of the user. The system can generate a user interface to present the set of locations to the user. The system can receive a transaction request from the user and automatically execute a transaction process using a shared funding account of the network transaction service to fulfill the request.

A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means. Based on receiving the approval, the system can transmit an authorization to the point-of-sale terminal of the merchant to authorize the primary authorization request for the transaction.

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San Francisco, CA, United States of America

David M Barrett