US 12,079,863 B2
Physical, logical separation of balances of funds
Brian Grassadonia, San Francisco, CA (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., San Francisco, CA (US)
Filed on Nov. 4, 2022, as Appl. No. 18/052,641.
Application 18/052,641 is a continuation of application No. 17/527,023, filed on Nov. 15, 2021, granted, now 11,605,066.
Application 17/527,023 is a continuation of application No. 16/549,816, filed on Aug. 23, 2019, granted, now 11,657,448.
Application 16/549,816 is a continuation of application No. 15/198,793, filed on Jun. 30, 2016, granted, now 10,453,049, issued on Oct. 22, 2019.
Prior Publication US 2023/0115345 A1, Apr. 13, 2023
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/32 (2012.01); G06Q 40/02 (2023.01); G06Q 40/04 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 40/00 (2013.01); G06Q 40/04 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/326 (2020.05)] 20 Claims
OG exemplary drawing
 
1. A method, implemented at least in part by one or more computing devices of a financial service, the method comprising:
receiving, from a computing device of a user of the financial service, a request to establish an automated transaction, wherein the automated transaction comprises transferring an amount of funds from a first financial account associated with the user to a second financial account associated with the user, wherein the automated transaction occurs in a plurality of instances, wherein the first financial account and the second financial account are sub-accounts of a user account of the user, wherein the first financial account is associated with a first ledger and the second financial account is associated with a second ledger, wherein the first ledger and the second ledger are maintained by the financial service;
determining that a next instance of the automated transaction is to be executed on a first payment time;
prior to executing the next instance of the automated transaction and based at least in part on establishing the automated transaction in association with the user, predicting a future balance of the first financial account of the user at the first payment time if the next instance of the automated transaction were to take place;
determining, prior to the first payment time, that the predicted future balance of the first financial account of the user at the first payment time is below a threshold amount;
determining a second payment time associated with the next instance of the automated transaction subsequent to the first payment time, the second payment time differing from the plurality of instances of the automated transaction;
automatically postponing the next instance of the automated transaction until the second payment time responsive to determining that the predicted future balance of the first financial account of the user at the first payment time is below the threshold amount;
generating a user interface element configured to be displayed on a user interface of the computing device of the user, the user interface element corresponding to a reminder or a notification relating to automatically executing the next instance of the automated transaction at a third payment time between the first payment time and the second payment time when an available balance of the first financial account of the user will exceed the threshold amount after executing the next instance of the automated transaction;
causing the user interface of the computing device of the user to be updated to include the user interface element;
upon determining that the available balance of the first financial account of the user will exceed the threshold amount after executing the next instance of the automated transaction, automatically executing the next instance of the automated transaction by causing a transfer of the amount of funds from the first financial account to the second financial account;
immediately upon causing the transfer, updating the first ledger of the first financial account and the second ledger of the second financial account, based on the amount of funds transferred;
based at least in part on updating the first ledger and the second ledger, updating a balance of the first financial account and a balance of the second financial account; and
automatically causing the user interface to be updated to indicate that the next instance of the automated transaction has been executed.