US 12,142,118 B1
System for incentivizing transition from physical card to mobile pay
Ashley Raine Philbrick, San Antonio, TX (US); Oscar Guerra, San Antonio, TX (US); Kelly Q. Baker, San Antonio, TX (US); Carlos JP Chavez, San Antonio, TX (US); Yevgeniy Viatcheslavovich Khmelev, San Antonio, TX (US); and Theresa Marie Matowitz, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Jul. 10, 2023, as Appl. No. 18/220,111.
Application 18/220,111 is a continuation of application No. 17/542,898, filed on Dec. 6, 2021, granted, now 11,699,333.
Application 17/542,898 is a continuation of application No. 17/129,230, filed on Dec. 21, 2020, granted, now 11,195,386, issued on Dec. 7, 2021.
Claims priority of provisional application 62/952,750, filed on Dec. 23, 2019.
This patent is subject to a terminal disclaimer.
Int. Cl. G07F 19/00 (2006.01)
CPC G07F 19/208 (2013.01) [G07F 19/203 (2013.01); G07F 19/204 (2013.01); G07F 19/206 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a processing system configured to execute computer-executable instructions that cause the processing system to:
receive a first plurality of indications of a plurality of payment amounts associated with a plurality of purchases from a plurality of computing systems;
send a second plurality of indications of a plurality of confirmations of a plurality of acceptances of the plurality of payment amounts to the plurality of computing systems;
send one or more requests for one or more payments of at least a portion of the plurality of payment amounts to a bank computing system;
a banking computing system configured to:
update a digital ledger to indicate that the one or more payments of the at least a portion of the plurality of payment amounts is received in a temporary account when a payment preference is not received from the processing system;
receive a payment preference from the processing system;
generate a machine-readable code associated with receiving the one or more payments via one or more automatic teller machines (ATMs) wherein the machine-readable code is configured to cause the one or more ATMs to dispense funds that correspond to the one or more payments; and
send the machine-readable code to the processing system.