	US 12,093,998 B2
	Systems and methods for providing a user interface for facilitating personal payment transactions
Gagan Kanjlia, Frisco, TX (US); Scott Zimmer, Charlotte, NC (US); Robert J. Larson, San Angelo, TX (US); Alexander S. Wilson, Kennett Square, PA (US); Vishal Puri, McLean, VA (US); and Jay F. Pober, Cherry Hill, NJ (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Sep. 8, 2022, as Appl. No. 17/940,278.
Application 17/940,278 is a continuation of application No. 17/030,117, filed on Sep. 23, 2020, granted, now 11,538,102, issued on Dec. 27, 2022.
Application 17/030,117 is a continuation in part of application No. 16/166,619, filed on Oct. 22, 2018, granted, now 10,885,579, issued on Jan. 5, 2021.
Application 16/166,619 is a continuation of application No. 16/165,708, filed on Oct. 19, 2018, granted, now 10,586,278, issued on Mar. 10, 2020.
Application 16/165,708 is a continuation of application No. 14/267,421, filed on May 1, 2014, abandoned.
Application 14/267,421 is a continuation of application No. 14/109,017, filed on Dec. 17, 2013, granted, now 10,068,288, issued on Sep. 4, 2018.
Application 17/030,117 is a continuation in part of application No. 16/788,768, filed on Feb. 12, 2020, abandoned.
Application 16/788,768 is a continuation of application No. 14/108,808, filed on Dec. 17, 2013, granted, now 10,565,571, issued on Feb. 18, 2020.
Application 17/030,117 is a continuation in part of application No. 15/880,526, filed on Jan. 25, 2018, abandoned.
Application 15/880,526 is a continuation of application No. 14/108,926, filed on Dec. 17, 2013, granted, now 10,354,237, issued on Jul. 16, 2019.
Claims priority of provisional application 61/738,101, filed on Dec. 17, 2012.
Claims priority of provisional application 61/739,340, filed on Dec. 19, 2012.
Claims priority of provisional application 61/738,104, filed on Dec. 17, 2012.
Prior Publication US 2023/0105919 A1, Apr. 6, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01); G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06Q 30/02 (2023.01); G06Q 40/03 (2023.01)

CPC G06Q 40/02 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/22 (2013.01); G06Q 20/223 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/4014 (2013.01); G06Q 30/02 (2013.01); G06Q 40/03 (2023.01)]

20 Claims

1. A system for providing personal payment transactions, the system comprising:

one or more processors; and

storage media storing instructions that, when executed by the one or more processors, cause the system to perform operations comprising:

determining a technical experience level for a payer or a payee based on one or more of the following associated with the payer or payee: age, commercial activities, input provided during a set up procedure related to a payment transaction system, information gathered from social networking sites, or prior usage of an application;

generating, based on proximity detection of payees to the payer, one or more first interfaces to effectuate a personal payment transaction by:

obtaining, via the one or more first interfaces, a location of a user device associated with the payer; and

providing, based on the obtained location of the user device, suggested payees on the one or more first interfaces;

obtaining, from the payer via the one or more first interfaces, an indication of a selected payee from the suggested payees;

providing, on the one or more first interfaces, options to fund a personal payment to the selected payee;

generating one or more second interfaces for the selected payee; and

providing, to the payer via the one or more first interfaces and to the selected payee via the one or more second interfaces, one or more options to route the personal payment associated with the personal payment transaction, wherein the one or more options comprise a payment rail determined based on rankings by other users with respect to security or speed of the payment rail,

wherein generating at least one of the one or more first interfaces comprises customizing at least one of the one or more first interfaces based on the technical experience level.