IP Library Granted Patent US 12,314,933
Granted Patent B2
US 12,314,933 · App. 18/465,036 · Granted May 27, 2025

Methods and systems for displaying account information

Inventors: Adam R. Koeppel (Washington, DC); Alex Leo Niderberg (Arlington, VA); Kevin Kelly (Austin, TX); Mili Mittal (Washington, DC); Sarah Calandro (San Francisco, CA); Jonathan R. Turfboer (San Francisco, CA)
Assignee: Capital One Services, LLC
G06Q20/327G06Q20/3221G06Q20/34G06Q20/341G06Q20/36G06Q40/02H04W64/003G06K19/07749H04W4/80H04W64/00H04W76/00
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Quick Facts
Patent No.
US 12,314,933
App. No.
18/465,036
Granted
May 27, 2025
Kind
B2
Abstract

Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.

Claims (40)

1. A system for displaying account information, comprising: a standalone display device comprising:

one or more processors;

a display;

a transceiver; and

a memory having stored thereon instructions that, when executed by the one or more processors, cause the one or more processors to:

receive, from a first device, a plurality of settings wherein the plurality of settings comprises user preferences for displaying account information for a plurality of accounts associated with a user;

transmit, to the first device, a request for the account information;

receive, using the transceiver from the first device, the account information for the plurality of accounts; and

in response to receiving the account information, cause the standalone display device to display a message including the account information for the plurality of accounts based on the user preferences received from the first device, wherein displaying the message comprises cycling through each account of the plurality of accounts.

2. The system of claim 1 , wherein the account information comprises at least one of a credit card balance, a debit card balance, an amount of credit remaining, an interest rate, a savings account balance, a checking account balance, rewards information, or a spending velocity.

3. The system of claim 1 , wherein the message further indicates a progress toward a spending goal or a spending limit.

4. The system of claim 3 , wherein the message further comprises information relating to the progress toward the spending goal or the spending limit based on a spending velocity.

5. The system of claim 3 , wherein the message further comprises an estimated time for reaching the spending goal or the spending limit.

6. The system of claim 3 , wherein the message further comprises an amount exceeding past the spending goal or the spending limit.

7. The system of claim 1 , wherein the instructions for transmitting, to the first device, the request for the account information cause the one or more processors to:

monitor sensor data associated with the standalone display device, wherein the sensor data comprises one of environmental data or movement data; and

based on the sensor data indicating activation of the standalone display device, transmit, to the first device, the request for the account information.

8. The system of claim 7 , wherein the instructions further cause the one or more processors to:

determine that the sensor data indicates a decrease in ambient light; and

based on determining that the sensor data indicates the decrease in the ambient light, deactivate the standalone display device.

9. The system of claim 1 , wherein the plurality of settings is stored in a settings file on the first device.

10. The system of claim 1 , wherein the account information is formatted based on a user-defined setting for displaying information by the standalone display device.

11. A method for displaying account information, comprising:

receiving, from a first device, a plurality of settings wherein the plurality of settings comprises user preferences for displaying account information for a plurality of accounts associated with a user;

transmitting, to the first device, a request for the account information;

receiving, from the first device, the account information for the plurality of accounts; and

in response to receiving the account information, causing a standalone display device to display a message including the account information for the plurality of accounts based on the user preferences received from the first device, wherein displaying the message comprises cycling through each account of the plurality of accounts.

12. The method of claim 11 , wherein the account information comprises at least one of a credit card balance, a debit card balance, an amount of credit remaining, an interest rate, a savings account balance, a checking account balance, rewards information, or a spending velocity.

13. The method of claim 11 , wherein the message further indicates a progress toward a spending goal or a spending limit.

14. The method of claim 13 , wherein the message further comprises information relating to the progress toward the spending goal or the spending limit based on a spending velocity.

15. The method of claim 13 , wherein the message further comprises an estimated time for reaching the spending goal or the spending limit.

16. The method of claim 13 , wherein the message further comprises an amount exceeding past the spending goal or the spending limit.

17. The method of claim 11 , further comprising causing the standalone display device to be paired with the first device.

18. The method of claim 11 , wherein the plurality of settings is stored in a settings file on the first device.

19. The method of claim 11 , wherein the message comprises a reminder not to make a payment at a particular merchant.

20. One or more non-transitory computer-readable media storing computer program instructions that, when executed by one or more processors, effectuate operations comprising:

receiving, from a device, a plurality of settings comprising user preferences for displaying account information for a plurality of accounts associated with a user;

transmitting, to the device, a request for the account information;

receiving, from the device, the account information for the plurality of accounts; and

in response to receiving the account information, causing a standalone display device to display a message including the account information for the plurality of accounts based on the user preferences received from the device, wherein displaying the message comprises cycling through each account of the plurality of accounts.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 11, 2023
From: KOEPPEL, ADAM R.; NIDERBERG, ALEX LEO; KELLY, KEVIN; MITTAL, MILI; CALANDRO, SARAH; TURFBOER, JONATHAN R.
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 064865/0565 →
Continuity (8)
Continuation 16948205 · Sep 8, 2020
Continuation 16592291 · Oct 3, 2019
Continuation 16159504 · Oct 12, 2018
Continuation 15974253 · May 8, 2018
Continuation 15712056 · Sep 21, 2017
Continuation 14836297 · Aug 26, 2015
Provisional Application 62041864 · Aug 26, 2014
Related Publication 20230419297A1 · Dec 28, 2023
References Cited (3)
US 8622309B1 · Mullen · 2014 [cited by examiner]
US 8820638B1 · Cotter · 2014 [cited by examiner]
US 20150058146A1 · Gaddam · 2015 [cited by examiner]
Cited By (1)
US 1,117,303