US 12,406,245 B2
Computing system implementing secondary authorizations for prepaid transactions
David M. Barrett, San Francisco, CA (US)
Assigned to Expensify, Inc., San Francisco, CA (US)
Filed by Expensify, Inc., San Francisco, CA (US)
Filed on Oct. 13, 2023, as Appl. No. 18/380,040.
Application 18/380,040 is a continuation of application No. 17/568,543, filed on Jan. 4, 2022, granted, now 11,829,973.
Application 17/568,543 is a continuation of application No. 16/869,379, filed on May 7, 2020, granted, now 11,263,611, issued on Mar. 1, 2022.
Application 16/869,379 is a continuation of application No. 15/785,221, filed on Oct. 16, 2017, granted, now 10,699,260, issued on Jun. 30, 2020.
Application 15/785,221 is a continuation of application No. 12/193,590, filed on Aug. 18, 2008, granted, now 9,830,582, issued on Nov. 28, 2017.
Claims priority of provisional application 60/956,691, filed on Aug. 18, 2007.
Prior Publication US 2024/0104536 A1, Mar. 28, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/20 (2013.01) [G06Q 20/227 (2013.01); G06Q 20/4037 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing system comprising:
a network communication interface to communicate, over one or more networks, with (i) computing devices of users of a transaction service, and (ii) merchant terminals of merchants participating in the transaction service;
one or more processors; and
a memory storing instructions that, when executed by the one or more processors, cause the computing system to:
receive, over the one or more networks, a primary authorization request from a merchant terminal of a merchant, the primary authorization request corresponding to use of a prepaid card of a user of the transaction service for a transaction with the merchant;
based on receiving the primary authorization request, determine that an account balance of the prepaid card comprises inadequate funds to fulfill the transaction;
based on determining that the account balance comprises inadequate funds to fulfill the transaction, automatically transmit, over the one or more networks, a secondary authorization request to a financial entity associated with an account of the user;
receive, over the one or more networks and from the financial entity associated with the account of the user, an approval of the secondary authorization request to facilitate funding the transaction with the merchant; and
based on receiving the approval, 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.