Granted Patent B2

US 12,705,296 · App. 18/362,955 · Granted Aug 11, 2026

Inventor: Don Parker (Cedar Hills, UT)

Assignee: MX TECHNOLOGIES, INC.

G06F16/9538G06F9/451G06F16/24556G06F21/6245H04L63/0884

Abstract

Claims (45)

1 . An apparatus, comprising:

a processor; and

a memory that stores code, when executed by the processor, causes the processor to perform operations, the operations comprising:

authenticating a user of a publicly accessible query interface, the publicly accessible query interface being a query interface that is available to general members of the public and is independent of and unaffiliated with a third-party financial account of the user;

authenticating the user for a third-party financial account of the user, the third-party financial account being separate from and unaffiliated with the publicly accessible query interface;

accessing financial transaction data from the third-party financial account on behalf of the user;

receiving a query from the user via the publicly accessible query interface; and

embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from the financial transaction data from the third-party financial account with a display of query results from the publicly accessible query interface, the one or more financial transactions and the query results each associated with the query from the user, the financial transactions and the query results each being responsive to the same query and displayed together in a single graphical user interface.

2 . The apparatus of claim 1 , wherein the publicly accessible query interface comprises an internet search engine.

3 . The apparatus of claim 2 , wherein the publicly accessible query interface comprises a search box for the internet search engine, the search box disposed within a user interface of an internet browser.

4 . The apparatus of claim 1 , wherein the publicly accessible query interface comprises an artificial intelligence query interface.

5 . The apparatus of claim 4 , wherein the artificial intelligence query interface bases the query results at least partially on the financial transaction data from the third-party financial account.

6 . The apparatus of claim 1 , the operations further comprising:

displaying a user interface element associated with the display of the one or more financial transactions;

hiding display of the one or more financial transactions in response to a first user interaction with the user interface element; and

displaying the one or more financial transactions in response to a second user interaction with the user interface element.

7 . The apparatus of claim 1 , wherein the query identifies a merchant and the one or more financial transactions are between the user and the identified merchant.

8 . A computer program product comprising executable code stored on a non-transitory computer readable storage medium, the executable code, when executed by a processor, causes the processor to perform operations, the operations comprising:

authenticating a user of a publicly accessible query interface, the publicly accessible query interface being a query interface that is available to general members of the public and is independent of and unaffiliated with a third-party financial account of the user;

authenticating the user for a third-party financial account of the user, the third-party financial account being separate from and unaffiliated with the publicly accessible query interface;

accessing financial transaction data from the third-party financial account on behalf of the user;

receiving a query from the user via the publicly accessible query interface;

embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from the financial transaction data from the third-party financial account with a display of query results from the publicly accessible query interface, the one or more financial transactions and the query results each associated with the query from the user, the financial transactions and the query results each being responsive to the same query and displayed together in a single graphical user interface.

9 . The computer program product of claim 8 , wherein the publicly accessible query interface comprises an internet search engine.

10 . The computer program product of claim 9 , wherein the publicly accessible query interface comprises a search box for the internet search engine, the search box disposed within a user interface of an internet browser.

11 . The computer program product of claim 8 , wherein the publicly accessible query interface comprises an artificial intelligence query interface.

12 . The computer program product of claim 11 , wherein the artificial intelligence query interface bases the query results at least partially on the financial transaction data from the third-party financial account.

13 . The computer program product of claim 8 , the operations further comprising:

displaying a user interface element associated with the display of the one or more financial transactions;

hiding display of the one or more financial transactions in response to a first user interaction with the user interface element; and

displaying the one or more financial transactions in response to a second user interaction with the user interface element.

14 . The computer program product of claim 8 , wherein the query identifies a merchant and the one or more financial transactions are between the user and the identified merchant.

15 . An apparatus, comprising:

means for authenticating a user of a publicly accessible query interface, the publicly accessible query interface being a query interface that is available to general members of the public and is independent of and unaffiliated with a third-party financial account of the user;

means for authenticating the user for a third-party financial account of the user, the third-party financial account being separate from and unaffiliated with the publicly accessible query interface;

means for accessing financial transaction data from the third-party financial account on behalf of the user;

means for receiving a query from the user via the publicly accessible query interface;

means for embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from the financial transaction data from the third-party financial account with a display of query results from the publicly accessible query interface, the one or more financial transactions and the query results each associated with the query from the user, the financial transactions and the query results each being responsive to the same query and displayed together in a single graphical user interface.

16 . The apparatus of claim 15 , wherein the publicly accessible query interface comprises an internet search engine.

17 . The apparatus of claim 16 , wherein the publicly accessible query interface comprises a search box for the internet search engine, the search box disposed within a user interface of an internet browser.

18 . The apparatus of claim 15 , wherein the publicly accessible query interface comprises an artificial intelligence query interface that bases the query results at least partially on the financial transaction data from the third-party financial account.

19 . The apparatus of claim 15 , further comprising:

means for hiding display of the one or more financial transactions in response to a first user interaction with a user interface element; and

means for displaying the one or more financial transactions in response to a second user interaction with the user interface element.

20 . The apparatus of claim 15 , wherein the query identifies a merchant and the one or more financial transactions are between the user and the identified merchant.

Assignments (1)

Continuity (2)

References Cited (12)