System, method and computer-accessible medium for repeating prior purchases

Patent metadata

Field	Value
Publication number	US-12299730-B2
Application number	US-202016837120-A
Country	US
Kind code	B2
Filing date	Apr 1, 2020
Priority date	Apr 1, 2020
Publication date	May 13, 2025
Grant date	May 13, 2025

Abstract

An exemplary system, method an computer-accessible medium can include generating a list of transactions with a plurality of merchants using a financial account associated with a financial account provider, determining a plurality of items in the list of transactions that are available for repurchase, displaying the transaction and the items available for repurchase, receiving a purchase request to repurchase at least one of the items available for repurchase from at least one of the merchants, and initiating a repurchase of the at least one of the items by the financial account provider with the at least one of the merchants. The financial account can be a credit card account. The items in the list of transactions that are available for repurchase can be determined by determining item level data for each transaction in the list of transactions.

First claim

What is claimed is:

1. A method for implementing a modified financial account user interface to enable single-action re-purchase operations directly from a transaction history page associated with a financial account, the method comprising:
selecting a plurality of transactions, associated with a plurality of merchants, from the transaction history page of the financial account, the financial account being associated with a financial account provider;
determining item level data for each of the transactions selected from the transaction history page of the financial account, wherein a selected transaction comprises an expandable list of associated previously purchased transaction items;
displaying each of the selected transactions, as an expandable list of associated transaction items with an active purchase button associated with each transaction item that is available for repurchase, wherein the active purchase button is displayed adjacent to a corresponding transaction item;
receiving a purchase request, based on a user interaction with the active purchase button associated with a selected transaction item, to repurchase the selected transaction item;
determining, using a machine learning procedure, a predicted spend for the financial account and whether the purchase request falls within the predicted spend;
in response to a determination that the purchase request is within the predicted spend, transmitting, upon receiving the purchase request, an authentication request to the user associated with the financial account;
receiving an authentication credential responsive to the authentication request;
initiating, upon receiving the authentication credential, a repurchase of the selected transaction item directly via the financial account provider of the financial account associated with the user; and
updating, upon initiating the repurchase of the selected transaction item, the item level data for each of the transactions selected from the transaction history page of the financial account.

2. The method of claim 1 , wherein the financial account is a credit card account.

3. The method of claim 1 , wherein the items, from each of the selected transactions that are available for repurchase are identified by determining the item level data for each of the selected transactions.

4. The method of claim 1 , wherein the repurchase is initiated by:
determining at least one of the merchants associated with the selected transaction item; and
sending to the at least one of the merchants (i) payment information to pay for the selected transaction item, (ii) purchase information for the selected transaction item, and (iii) address information for a customer associated with the financial account.

5. The method of claim 4 , wherein the payment information excludes credit card information.

6. The method of claim 1 , wherein the repurchase of the selected transaction item is a recurring purchase.

7. The method of claim 1 , wherein the purchase request is validated prior to initiating the repurchase.

8. A system, comprising:
(i) a computer configured to:
(a) generate from a plurality of transactions recorded on a transaction history page of a financial account, a list of transactions with a plurality of merchants, the financial account being associated with a financial account provider;
(b) determine a plurality of purchased items associated with each of the transactions in the list of transactions;
(c) receive a purchase request, based on a user interaction with a selected transaction item, to repurchase the selected transaction item;
(d) determine, using a machine learning procedure, a predicted spend for the financial account and whether the purchase request falls within the predicted spend;
(e) in response to a determination that the purchase request is within the predicted spend, transmit, upon receiving the purchase request, an authentication request to the user associated with the financial account;
(f) receive an authentication credential responsive to the authentication request;
(g) initiate, upon receiving the authentication credential, a repurchase of the selected transaction item directly via the financial account provider of the financial account associated with the user;
(h) update, upon initiating the repurchase of the selected transaction item, the item level data for each transaction selected from the transaction history page of the financial account; and

(ii) a user interface device, for displaying financial account data to the user, configured to display:
(a) the list of the transactions from the plurality of transactions recorded on the transaction history page of the financial account, wherein each transaction, is displayed, upon receiving a user action, as an expandable list of associated previously purchased transaction items;
(b) an active purchase button adjacent each of the associated transaction items that are available for repurchase, wherein each active purchase button is selectable to initiate a repurchase of the corresponding transaction item.

9. The system of claim 8 , wherein the financial account is a credit card account.

10. The system of claim 8 , wherein the system is configured to determine the purchased items by determining the item level data for each transaction in the list of transactions.

11. The system of claim 8 , wherein the system is further configured to initiate the repurchase of the selected transaction item:
determining a particular one of the merchants associated with the selected transaction item; and
sending to the particular one of the merchants (i) payment information to pay for the selected transaction item, (ii) purchase information for the selected transaction item, and (iii) address information for a customer associated with the financial account.

12. The system of claim 11 , wherein the payment information excludes credit card information.

13. The system of claim 11 , wherein the repurchase of the selected transaction item is a recurring purchase.

14. The system of claim 11 , wherein the system is further configured to validate a purchase request prior to initiating the repurchase.

15. A non-transitory computer-accessible medium having stored thereon computer-executable instructions, wherein, when a computer executes the instructions, the computer is configured to perform procedures comprising:
selecting a plurality of transactions, associated with a plurality of merchants, from a transaction history page of the financial account, the financial account being associated with a financial account provider;
determining item level data for each of the transactions selected from the transaction history page of the financial account, wherein a selected transaction comprises an expandable list of associated previously purchased transaction items;
displaying each of the selected transactions, as an expandable list of associated transaction items with an active purchase button associated with each transaction item that is available for repurchase, wherein the active purchase button is displayed adjacent to a corresponding transaction item;
receiving a purchase request, based on a user interaction with the active purchase button associated with a selected transaction item, to repurchase the selected transaction item;
determining, using a machine learning procedure, a predicted spend for the financial account and whether the purchase request falls within the predicted spend;
in response to a determination that the purchase request is within the predicted spend, transmitting, upon receiving the purchase request, an authentication request to the user as

Assignees

• Capital One Services Llc

Inventors

• Benkreira Abdelkader
• Edwards Joshua
• Mossoba Michael

Classifications

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06Q20/425

  using two different networks, one for transaction and one for security confirmation · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title