IP Library › Granted Patent US 10,984,459
Granted Patent B2
US 10,984,459 · App. 16/222,724 · Granted Apr 20, 2021

Universal ledger

Inventors: Michele Demark (Highlands Ranch, CO); Michael Michelsen (Arvada, CO); Diane Scott (Lone Tree, CO); Chris Cochran (Highlands Ranch, CO)
Assignee: The Western Union Company
G06Q30/0613G06Q10/06G06Q20/102G06Q50/01
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Quick Facts
Patent No.
US 10,984,459
App. No.
16/222,724
Filed
Dec 17, 2018
Granted
Apr 20, 2021
Kind
B2
Art Unit
3691
USPC
705/40
Abstract

The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.

Claims (78)

1. A system comprising:

a host computer system comprising one or more servers and memory comprising instructions that, when executed by the one or more servers, cause the host computer system to perform operations comprising:

processing a first message transmitted via one or more networks by a first computing device consequent to a first action performed by a first user, the first user being associated with a first profile that is displayable within a first social network service;

consequent to the first message, sending a second message to one or both of a second computing device and an account associated with a second user, the second message relating to the first action performed by the first user, the second user being associated with a second profile that is displayable within a second social network service;

processing a third message transmitted via the one or more networks by the first computing device or a third computing device, the third message indicating a second action to be performed by the second user;

consequent to the third message, updating a universal ledger to associate the second action with the second user;

consequent to the first message, updating the universal ledger to associate the first action with the first user;

determining, based on the universal ledger, a value associated with one or more actions associated with the second user;

generating a second profile update indicating the value;

establishing a communication session with the second social network service;

within the communication session, transmitting the second profile update to cause updating of one or more profiles within the second social network service;

processing an indication of a link selected via an instance of a social network application executing on the first computing device, the second computing device, or the third computing device, the indication of the link selected invoking a separate window or sub-window within the instance of the social network application;

filtering data fields of the universal ledger based on a profile identifier corresponding to the instance of the social network application to contain data associated with the profile identifier; and

transmitting data according to the filtered data fields of the universal ledger to provide access to the data via the separate window or sub-window within the instance of the social network application.

2. The system of claim 1 , the operations further comprising:

determining, based on the universal ledger, a second value associated with one or more actions associated with the first user;

generating a first profile update indicating the second value; and

transmitting to the first social network service the first profile update.

3. The system of claim 1 , the operations further comprising:

receiving an indication that the second action has been performed; and

updating the universal ledger to disassociate the second action with the second user.

4. The system of claim 1 , wherein the first action is a purchasing one or more goods or services.

5. The system of claim 1 , wherein the second action is transmitting monetary value to the first user.

6. The system of claim 1 , wherein the first social network service and the second social network service are a same social network service.

7. The system of claim 1 , the operations further comprising:

receiving, from a third social network service, a first request to view a segment of the universal ledger, the first request comprising a profile identifier;

filtering, based on the profile identifier, the universal ledger to contain entries within the universal ledger associated with the profile identifier; and

transmitting the filtered universal ledger to the third social network service.

8. A method comprising:

processing a first message transmitted via one or more networks by a first computing device consequent to a first action performed by a first user, the first user being associated with a first profile that is displayable within a first social network service;

consequent to the first message, sending a second message to one or both of a second computing device and an account associated with a second user, the second message relating to the first action performed by the first user, the second user being associated with a second profile that is displayable within a second social network service;

processing a third message transmitted via the one or more networks by the first computing device or a third computing device, the third message indicating a second action to be performed by the second user;

consequent to the third message, updating a universal ledger to associate the second action with the second user;

consequent to the first message, updating the universal ledger to associate the first action with the first user;

determining, based on the universal ledger, a value associated with one or more actions associated with the second user;

generating a second profile update indicating the value;

establishing a communication session with the second social network service;

within the communication session, transmitting the second profile update to cause updating of one or more profiles within the second social network service;

processing an indication of a link selected via an instance of a social network application executing on the first computing device, the second computing device, or the third computing device, the indication of the link selected invoking a separate window or sub-window within the instance of the social network application;

filtering data fields of the universal ledger based on a profile identifier corresponding to the instance of the social network application to contain data associated with the profile identifier; and

transmitting data according to the filtered data fields of the universal ledger to provide access to the data via the separate window or sub-window within the instance of the social network application.

9. The method of claim 8 , further comprising:

determining, based on the universal ledger, a second value associated with one or more actions associated with the first user;

generating a first profile update indicating the second value; and

transmitting to the first social network service the first profile update.

10. The method of claim 8 , further comprising:

receiving an indication that the second action has been performed; and

updating the universal ledger to disassociate the second action with the second user.

11. The method of claim 8 , wherein the first action is a purchasing one or more goods or services.

12. The method of claim 8 , wherein the second action is transmitting monetary value to the first user.

13. The method of claim 8 , wherein the first social network service and the second social network service are a same social network service.

14. The method of claim 8 , further comprising:

receiving, from a third social network service, a first request to view a segment of the universal ledger, the first request comprising a profile identifier;

filtering, based on the profile identifier, the universal ledger to contain entries within the universal ledger associated with the profile identifier; and

transmitting the filtered universal ledger to the third social network service.

15. A non-transitory, computer-readable storage medium having stored thereon instructions for causing at least one computer system to perform operations, the operations comprising:

processing a first message transmitted via one or more networks by a first computing device consequent to a first action performed by a first user, the first user being associated with a first profile that is displayable within a first social network service;

consequent to the first message, sending a second message to one or both of a second computing device and an account associated with a second user, the second message relating to the first action performed by the first user, the second user being associated with a second profile that is displayable within a second social network service;

processing a third message transmitted via the one or more networks by the first computing device or a third computing device, the third message indicating a second action to be performed by the second user;

consequent to the third message, updating a universal ledger to associate the second action with the second user;

consequent to the first message, updating the universal ledger to associate the first action with the first user;

determining, based on the universal ledger, a value associated with one or more actions associated with the second user;

generating a second profile update indicating the value; and

establishing a communication session with the second social network service;

within the communication session, transmitting the second profile update to cause updating of one or more profiles within the second social network service;

processing an indication of a link selected via an instance of a social network application executing on the first computing device, the second computing device, or the third computing device, the indication of the link selected invoking a separate window or sub-window within the instance of the social network application;

filtering data fields of the universal ledger based on a profile identifier corresponding to the instance of the social network application to contain data associated with the profile identifier; and

transmitting data according to the filtered data fields of the universal ledger to provide access to the data via the separate window or sub-window within the instance of the social network application.

16. The non-transitory, computer-readable storage medium of claim 15 , the operations further comprising:

determining, based on the universal ledger, a second value associated with one or more actions associated with the first user;

generating a first profile update indicating the second value; and

transmitting to the first social network service the first profile update.

17. The non-transitory, computer-readable storage medium of claim 15 , the operations further comprising:

receiving an indication that the second action has been performed; and

updating the universal ledger to disassociate the second action with the second user.

18. The non-transitory, computer-readable storage medium of claim 15 , wherein the first action is a purchasing one or more goods or services.

19. The non-transitory, computer-readable storage medium of claim 15 , wherein the second action is transmitting monetary value to the first user.

20. The non-transitory, computer-readable storage medium of claim 15 , wherein the first social network service and the second social network service are a same social network service.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 16, 2019
From: DEMARK, MICHELE; MICHELSEN, MIKE; SCOTT, DIANE; COCHRAN, CHRIS
To: THE WESTERN UNION COMPANY
Reel/Frame 048034/0831 →
Continuity (3)
Continuation 14143964 · Dec 30, 2013
Continuation 13008393 · Jan 18, 2011
Related Publication 20190122276A1 · Apr 25, 2019
Cited By (2)
US 12,244,661 US 12,506,797