Patents by Inventor David M. Barrett

David M. Barrett has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20220247701
    Abstract: A system receives a chat query based on a user interaction on a computing device of user. The system parses the chat query to identify one or more word patterns in the chat query, and determines a matching plug-in from the plug-in library based at least in part on the one or more word patterns in the chat query. The system utilizes the matching plug-in to access one or more resources and determine a chat response for the chat query, and transmit, over the one or more networks, the chat response to the computing device of the user.
    Type: Application
    Filed: April 14, 2022
    Publication date: August 4, 2022
    Inventors: David M. Barrett, Melissa Aaron
  • Patent number: 11361304
    Abstract: A computer system can determine a set of merchant locations utilizing a network transaction service within a vicinity of a user based on position information from the computing device of the user. The system can generate a user interface to present the set of locations to the user. The system can receive a transaction request from the user and automatically execute a transaction process using a shared funding account of the network transaction service to fulfill the request.
    Type: Grant
    Filed: January 8, 2021
    Date of Patent: June 14, 2022
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Publication number: 20220173565
    Abstract: A cylindrical electrode module of a fiber optic laser system includes an inner cylinder having an inner repeating pattern of longitudinally-aligned positive and negative electrodes on an outer surface of the inner cylinder. The cylindrical electrode mode includes an outer cylinder that encloses the inner cylinder. The outer cylinder that has an outer repeating pattern of longitudinally-aligned negative and positive electrodes on an inner surface of the inner cylinder that are in corresponding and complementary, parallel alignment with the positive and negative electrodes of the inner repeating pattern on the outer surface of the inner cylinder. The cylindrical electrode module includes an optical fiber having an input end configured to align with and be optically coupled to a pump laser. The optical fiber is wrapped around the inner cylinder within the outer cylinder to form a cylindrical fiber assembly. The electrodes are activated to achieve quasi-phase matching.
    Type: Application
    Filed: February 15, 2022
    Publication date: June 2, 2022
    Inventors: Christian Keyser, Trevor Courtney, John Timler, David M Barrett
  • Publication number: 20220129875
    Abstract: A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of a transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means.
    Type: Application
    Filed: January 4, 2022
    Publication date: April 28, 2022
    Inventor: David M. Barrett
  • Publication number: 20220108295
    Abstract: A computing system can receive a transaction data set from a computing device of a merchant, which can indicate a transaction between the merchant and a user of a network transaction service. The system verifies the user's location at a merchant location associated with the merchant, and then funds the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shared funding account for an amount corresponding to the transaction.
    Type: Application
    Filed: October 19, 2021
    Publication date: April 7, 2022
    Inventor: David M. Barrett
  • Patent number: 11263611
    Abstract: A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means. Based on receiving the approval, the system can transmit an authorization to the point-of-sale terminal of the merchant to authorize the primary authorization request for the transaction.
    Type: Grant
    Filed: May 7, 2020
    Date of Patent: March 1, 2022
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Patent number: 11210649
    Abstract: A computing system implements a network transaction service. Users of the network transaction service can launch a service application to indicate a transaction at a location of a merchant. A transaction data set is then received from a point-of-sale terminal of the merchant, which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount corresponding to the transaction.
    Type: Grant
    Filed: January 13, 2020
    Date of Patent: December 28, 2021
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Publication number: 20210306762
    Abstract: An interactive system can utilize microtechnology (e.g., a micro-electromechanical system (MEMS)), such as miniaturized microphone (e.g., a bone-conducting microphone), audio output device, microprocessor, and signal conversion and propagation means to create a personal area network (PAN) for a user. The system can include a voice input device (e.g., worn on one or more teeth of the user) that outputs a near-field magnetic induction (NFMI) signal based on a whisper input by the user. The NFMI signal is either detected by the user's mobile device, or converted into a wireless signal (e.g., a Bluetooth RF signal) detectable by the user's mobile device, for receiving voice commands (e.g., to provide personal assistant services) via a designated application running on the mobile device.
    Type: Application
    Filed: March 22, 2021
    Publication date: September 30, 2021
    Inventors: David M. Barrett, Robert Chen
  • Publication number: 20210264329
    Abstract: A computer system can implement a network transaction service by monitoring location data from a computing device of a user to confirm that the user is located at a merchant location, receiving transaction data from a point-of-sale terminal of the merchant location, and confirming that the user has left the merchant location based on the location data. The computer system may then automatically execute a transfer operation to fund the transaction using a shared funding account of the network transaction service such that no direct payment interaction is made between the user and the merchant.
    Type: Application
    Filed: May 11, 2021
    Publication date: August 26, 2021
    Inventors: David M. Barrett, Anuradha Muralidharan
  • Publication number: 20210209581
    Abstract: A computer system can determine a set of merchant locations utilizing a network transaction service within a vicinity of a user based on position information from the computing device of the user. The system can generate a user interface to present the set of locations to the user. The system can receive a transaction request from the user and automatically execute a transaction process using a shared funding account of the network transaction service to fulfill the request.
    Type: Application
    Filed: January 8, 2021
    Publication date: July 8, 2021
    Inventor: David M. Barrett
  • Patent number: 11030550
    Abstract: A computer system can implement a network transaction service through communications with computing devices of users of the service, a reservation store of registered businesses, and point-of-sale terminals of the registered businesses. The computer system can access the reservation store to detect a reservation made by a respective user of the network transaction service with a selected business. The computer system can then receive a request made by the respective user to utilize the network transaction service at a merchant location of the selected business within a predetermined threshold after a reservation time. The computer system can then receive transaction data from a point-of-sale terminal of the selected business, fund the transaction using a shared funding account of the network transaction service, and transfer funds from a customer account of the respective user to the shared funding account in an amount corresponding to the transaction.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: June 8, 2021
    Assignee: Expensify, Inc.
    Inventors: David M. Barrett, Anuradha Muralidharan
  • Patent number: 10929836
    Abstract: A computer system can implement a network transaction service by receiving a transaction request from a computing device of a requesting user that has a customer account linked to the network transaction service. Based on the transaction request, the computer system can determine a merchant account of the registered merchant that is linked to the network transaction service. The computer system can then execute a remote transaction operation to transfer funds from a shared account of the network transaction service to the merchant account to fulfill the transaction request, where the shared account is different from the customer account of the requesting user.
    Type: Grant
    Filed: March 27, 2019
    Date of Patent: February 23, 2021
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Publication number: 20200327523
    Abstract: A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means. Based on receiving the approval, the system can transmit an authorization to the point-of-sale terminal of the merchant to authorize the primary authorization request for the transaction.
    Type: Application
    Filed: May 7, 2020
    Publication date: October 15, 2020
    Inventor: David M. Barrett
  • Publication number: 20200226578
    Abstract: A computing system implements a network transaction service. Users of the network transaction service can launch a service application to indicate a transaction at a location of a merchant. A transaction data set is then received from a point-of-sale terminal of the merchant, which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount corresponding to the transaction.
    Type: Application
    Filed: January 13, 2020
    Publication date: July 16, 2020
    Inventor: David M. Barrett
  • Publication number: 20200210971
    Abstract: A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. The computer system can then execute image processing logic to determine a set of information items from the image. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the set of information items using the matching transaction.
    Type: Application
    Filed: January 2, 2020
    Publication date: July 2, 2020
    Inventors: David M. Barrett, Kevin Michael Kuchta
  • Patent number: 10699260
    Abstract: A system, computer readable medium, and method of receiving a primary authorization request at a first authorization switch using a prepaid card that lacks adequate funds in the prepaid account to cover the requested purchase amount, and initiating a secondary authorization request using a funding account identifier associated with a funding account that does contain adequate funds to cover the requested purchase amount.
    Type: Grant
    Filed: October 16, 2017
    Date of Patent: June 30, 2020
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Patent number: 10572868
    Abstract: A computing system implements a network transaction service in which prepaid cards physically residing at merchant locations. Users of the network transaction service can launch a service application to indicate a transaction at the merchant location. A transaction data set is then received from a point-of-sale terminal at the merchant location—corresponding to use of the prepaid card—which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount of the transaction.
    Type: Grant
    Filed: October 3, 2018
    Date of Patent: February 25, 2020
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Patent number: 10565568
    Abstract: A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. the computer system can then execute image processing logic to determine a first set of information items from the image, and identify a second set of information items that are not determinable from the record. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) using the first set of information items, identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the second set of information items using the matching transaction. The computer system can classify the record in a user account of and generate an expense report for the user.
    Type: Grant
    Filed: December 4, 2018
    Date of Patent: February 18, 2020
    Assignee: Expensify, Inc.
    Inventors: David M. Barrett, Kevin Michael Kuchta
  • Publication number: 20190392358
    Abstract: A computer system can implement a network transaction service through communications with computing devices of users of the service, a reservation store of registered businesses, and point-of-sale terminals of the registered businesses. The computer system can access the reservation store to detect a reservation made by a respective user of the network transaction service with a selected business. The computer system can then receive a request made by the respective user to utilize the network transaction service at a merchant location of the selected business within a predetermined threshold after a reservation time. The computer system can then receive transaction data from a point-of-sale terminal of the selected business, fund the transaction using a shared funding account of the network transaction service, and transfer funds from a customer account of the respective user to the shared funding account in an amount corresponding to the transaction.
    Type: Application
    Filed: August 1, 2019
    Publication date: December 26, 2019
    Inventors: David M. Barrett, Anuradha Muralidharan
  • Patent number: 10423896
    Abstract: A reservation store is monitored for a business in order to detect when a customer of the network transaction service makes a reservation with the business. At about a time of the reservation, a courier to provide the merchant at the reservation location with a card instrument of the network transaction service. A transaction resulting from the reservation may be funded by allocating funds to the card instrument. A receipt of the transaction may be provided to the customer after the transaction is completed.
    Type: Grant
    Filed: December 27, 2016
    Date of Patent: September 24, 2019
    Assignee: Expensify, Inc.
    Inventors: David M. Barrett, Anuradha Muralidharan