IP Library Granted Patent US 12,430,692
Granted Patent B2
US 12,430,692 · App. 18/465,507 · Granted Sep 30, 2025

Visualization of spending data in an altered reality

Inventors: Vijeyta Aggarwal (San Jose, CA); Michael Charles Todasco (San Jose, CA); Kevin Ward (San Jose, CA)
Assignee: PAYPAL, INC.
G06Q40/12G06F3/0481G06Q20/108G06Q20/12G06Q20/3676G06Q30/0643G06T11/20H04L67/131G06Q99/00G06T2200/04G06T2207/30108
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Quick Facts
Patent No.
US 12,430,692
App. No.
18/465,507
Granted
Sep 30, 2025
Kind
B2
Abstract

Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. The user may interact within the altered reality to manage spending and move budgets between rooms or categories.

Claims (64)

1. A system comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:

determining visual data for an environment of a user at a location;

identifying an item in the environment that was previously purchased by the user;

determining item information for a purchase of another item associated with the item from a seller;

determining a characteristic of the another item, presentable in an altered reality, that can be augmented visually based on the item information;

configuring an augmentation of a visual element of the another item based on the item information and one or more altered reality augmentations;

generating a visualization of spending data associated with the another item having the augmentation to the characteristic;

generating, based on the visual data, the item information, and the augmentation, the altered reality of the environment that is displayable by a user interface, wherein the altered reality comprises the augmentation of the visual element and the visualization that is presented with the another item in the environment; and

causing the generated altered reality to be displayed via the user interface.

2. The system of claim 1 , wherein the augmented element comprises an icon based on the item information, wherein the icon displays the at least one characteristic including at least one of an identification of the seller or a price of the another item with the seller, and wherein the icon enables the purchase of the another item from the seller.

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

processing the purchase of the another item from the seller based on an interaction with the augmented element.

4. The system of claim 1 , wherein the augmented element enables the user to allocate funds between an account balance of the user and a savings goal of the user via the altered reality, and wherein the operations further comprise:

acquiring savings data for the savings goal; and

causing the savings data to be displayed with the augmented element.

5. The system of claim 4 , wherein the operations further comprise:

determining a budget established by the user based at least on the account balance and the savings goal; and

causing the budget and a change to the budget based on the purchase of the another item to be displayed with the augmented element.

6. The system of claim 4 , wherein the operations further comprise:

adjusting an opaqueness of an image in the altered reality based on the savings goal and a change to the savings goal from the purchase of the another item.

7. The system of claim 1 , wherein, prior to the identifying the item, the operations further comprise:

receiving a selecting of the another item in the altered reality and a request to view spending data associated with at least one of the additional purchase of the another item or a past purchase of the item.

8. The system of claim 1 , wherein the augmented element further includes at least one spending visualization associated with reducing a spending of the user on at least the another item, and wherein the at least one spending visualization is further associated with a coupon, an alternative pricing arrangement, or financial education information.

9. A method, comprising:

determining that a user is viewing an environment at a location through a user interface for an altered reality on a communication device of the user;

identifying a plurality of items present in the environment with the altered reality in the user interface;

determining that the user has previously purchased an item of the plurality of items based on a transaction history of the user;

determining item information for the item being offered by a seller;

determining a characteristic of the item, presentable in the altered reality, that can be augmented visually based on the item information;

configuring an augmented element for the item based on the item information and one or more altered reality augmentations;

generating a visualization of spending data associated with the item having the augmentation to the characteristic;

generating, for the augmented element for the item in the altered reality, a visualization of the item with the augmented element and the visualization of the spending data, wherein the augmented element enables the user to interact with the item in the altered reality, and wherein the visualization enables at least one of an additional purchase associated with the item or an exchange of the item for another item having the characteristic augmented visually based on the augmented reality; and

displaying the augmented element in the altered reality via the user interface.

10. The method of claim 9 , further comprising:

receiving a request for one of the additional purchase or the exchange of the item via the augmented element; and

processing the one of the additional purchase or the exchange of the item with the seller.

11. The method of claim 9 , wherein the augmented element includes an icon showing a price for the one of the additional purchase or the exchange of the item from the seller, and wherein the at least one characteristic includes an amount previously paid for the item by the user.

12. The method of claim 9 , wherein the augmented element further includes user spending data for the user for an amount of funds designated for the environment.

13. The method of claim 12 , further comprising:

adjusting an opaqueness of an image in the altered reality based on a change to the amount of funds from the one of the additional purchase or the exchange of the item.

14. The method of claim 12 , further comprising:

adjusting a budget associated with the amount of funds based at least on the one of the additional purchase or the exchange of the item; and

displaying the adjusted budget in the altered reality.

15. The method of claim 14 , wherein, prior to the adjusting the budget, the method further comprises:

receiving, from the user, a motion provided in association with the environment and the altered reality, wherein the motion indicates one of a request for the one of the additional purchase or the exchange or a transfer to the budget,

wherein the adjusting is further performed based on the motion.

16. The method of claim 14 , wherein the amount of funds is further associated with a category created by the user for a plurality of objects in the environment.

17. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

determining visual data for an environment of a user at a location;

identifying an item in the environment that was previously purchased by the user;

determining item information for a purchase of another item associated with the item from a seller;

determining a characteristic of the another item, presentable in an altered reality, that can be augmented visually based on the item information;

configuring an augmentation of a visual element of the another item based on the item information and one or more altered reality augmentations;

generating a visualization of spending data associated with the another item having the augmentation to the characteristic;

generating, based on the visual data, the item information, and the augmentation, the altered reality of the environment that is displayable by a user interface, wherein the altered reality comprises the augmentation of the visual element and the visualization that is presented with the another item in the environment; and

causing the generated altered reality to be displayed via the user interface.

18. The non-transitory machine-readable medium of claim 17 , wherein the augmented element comprises an icon based on the item information, wherein the icon displays the at least one characteristic including at least one of an identification of the seller or a price of the another item with the seller, and wherein a selection of the another item causes the purchase of the another item from the seller for the user.

19. The non-transitory machine-readable medium of claim 18 , wherein the operations further comprise:

processing the purchase of the another item from the seller based on an interaction associated with the generated altered reality.

20. The non-transitory machine-readable medium of claim 8 , wherein the augmented element enables the user to allocate funds between an account balance of the user and a savings goal of the user via the altered reality, and wherein the operations further comprise:

acquiring savings data for the savings goal; and

causing the savings data to be displayed with the augmented element via the user interface.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 12, 2023
From: AGGARWAL, VIJEYTA; TODASCO, MICHAEL CHARLES; WARD, KEVIN
To: PAYPAL, INC.
Reel/Frame 064876/0523 →
Continuity (4)
Continuation 17380489 · Jul 20, 2021
Continuation 16407409 · May 9, 2019
Continuation 15196829 · Jun 29, 2016
Related Publication 20240078612A1 · Mar 7, 2024
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