Authentication circle shared expenses with extended family and friends

Patent metadata

Field	Value
Publication number	US-11436587-B1
Application number	US-201916370114-A
Country	US
Kind code	B1
Filing date	Mar 29, 2019
Priority date	Apr 12, 2018
Publication date	Sep 6, 2022
Grant date	Sep 6, 2022

Abstract

Systems and methods for providing authentication circles to pursue financial goals and/or share expenses with others are provided. One or more provider computing systems are communicatively coupled to one or more user devices. Users may join a circle and make contributions via electronic messages that may allow for acceptance in a one-click fashion. Members may, for example, plan for and share expenses for a trip and compare the expenses with budgets.

First claim

What is claimed is:

1. A method of sharing expenses via an authentication circle, the method comprising:
receiving a request from a first member associated with a first user device to form the authentication circle that includes the first member and a second member associated with a second user device;
transmitting an invitation to share expenses between the first member and the second member, the invitation transmitted to the second user device to add the second member to the authentication circle for sharing expenses between the first member and the second member;
forming the authentication circle with the first member and the second member responsive to receiving an acceptance to the invitation from the second user device;
detecting a transaction involving the first user device following formation of the authentication circle, the transaction being for a first amount;
detecting that the first user device and the second user device are co-located or are within a predetermined distance of each other using at least one of (i) location sensors of the first and second user devices and (ii) direct wireless communication between the first and second user devices;
in response to the detection, prompting, via the second user device, the second member to pay a second amount;
receiving an input at the second user device indicating a selection to pay the second amount; and
initiating a fund transfer of the second amount from an account of the second member.

2. The method of claim 1 , wherein detecting that the first user device and the second user device are co-located comprises using the location sensors of the first and second user devices to determine that the first and second user devices are located at a same merchant.

3. The method of claim 1 , wherein the first and second user devices include first and second location sensors, respectively, and wherein determining that the first user device and the second user device are co-located or are within the predetermined distance of each other comprises:
acquiring a first location, detected using the first location sensor, of the first user device;
acquiring a second location, detected using the second location sensor, of the second user device; and
determining how far the first user device is from the second user device using the first and second locations.

4. The method of claim 1 , wherein determining that the first user device and the second user device are co-located or are within the predetermined distance of each other comprises using one of the first and second user devices to detect, via near-field communication, a presence of the other of the first and second user devices.

5. The method of claim 1 , wherein the authentication circle is formed, and the first and second members associated therewith, via a service provider computing system, and wherein detecting that the first user device and the second user device are co-located or are within the predetermined distance of each other comprises receiving, at the service provider computing system, an indication from one of the first and second user devices that the other of the first and second user devices has been detected to be nearby.

6. The method of claim 1 , wherein detecting the transaction involving the first user device comprises detecting a mobile wallet transaction involving the first user device.

7. The method of claim 1 , wherein prompting the second member to pay the second amount comprises transmitting, to the second user device, a prompt for the second member to choose to pay the second amount via a one-click selection.

8. The method of claim 1 , wherein prompting the second member to pay the second amount comprises (i) presenting, via the second user device, a list of items purchased in the transaction, and (ii) allowing for selection of one or more of items in the list to be paid by the second member.

9. A system for sharing expenses via an authentication circle, the system comprising a processor and a memory with instructions which, when executed by the processor, cause the processor to:
form the authentication circle that includes a first member and a second member, and associate a first user device of the first member with the authentication circle and associate a second user device of the second member with the authentication circle;
detect a transaction involving the first user device following formation of the authentication circle, the transaction being for a first amount;
in response to detecting the transaction, determine that another user device associated with the authentication circle is near the first user device by detecting that the second user device is co-located or is within a predetermined distance of the first user device via at least one of (i) location sensors of the first and second user devices and (ii) direct wireless communication between the first and second user devices;
in response to the detection, transmit a prompt to share expenses between the first member and the second member, the prompt transmitted to the second user device to allow the second member to pay towards the first amount;
receive a first indication that the second user device received an input, via the prompt, corresponding with a selection to pay a second amount to share expenses between the first member and the second member; and
initiating a fund transfer of the second amount from an account of the second member.

10. The system of claim 9 , wherein the instructions cause the processor to detect that the first user device and the second user device are co-located at least in part by using readings from the location sensors of the first and second user devices to determine that the first and second user devices are located at a same merchant at least in part by cross-referencing a location of the merchant, received from a third-party computing system, with the readings from the location sensors of the first and second user devices.

11. The system of claim 9 , wherein the first and second user devices include first and second location sensors, respectively, and wherein the instructions cause the processor to determine that the first user device and the second user device are co-located or are within the predetermined distance of each other at least in part by:
acquiring a first location, detected using the first location sensor, of the first user device;
acquiring a second location, detected using the second location sensor, of the second user device; and
using the first and second locations to determine how far the first user device is from the second user device.

12. The system of claim 9 , wherein the instructions cause the processor to detect that the first user device and the second user device are co-located or are within the predetermined distance of each other at least in part by receiving a second indication from one of the first and second user devices that the other of the first and second user devices has been detected to be nearby.

13. The system of claim 9 , wherein detecting a transaction involving the first user device comprises detecting a mobile wallet transaction involving the first user device.

14. The system of claim 9 , wherein the prompt comprises a list of selectable items purchased in the transaction, and wherein the instructions cause the processor to initiate the fund transfer based on selection of one or more items in the list, wherein the second amount covers the one or more selected items.

15. A first user device of a first member of an authentication circle, the first user device comprising:
a mobile wallet circuit configured for mobile payments; and
a processor

Assignees

• Wells Fargo Bank Na

Inventors

• Brandt Balin Kina
• Fisher Laura
• Floyd Marie Jeannette
• Mcgee Katherine J
• Rench Teresa Lynn
• Vangala Sruthi

Classifications

• G06Q10/40 Primary

  Business processes related to social networking or social networking services · CPC title

• G06Q20/3676

  Balancing accounts · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• H04L2209/56

  Financial cryptography, e.g. electronic payment or e-cash · CPC title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title