Granted Patent B2

US 12,548,073 · App. 18/327,812 · Granted Feb 10, 2026

Inventors: Jeremy Rephlo (Washington, DC); Gagan Kanjlia (Ashburn, VA)

Assignee: CAPITAL ONE SERVICES, LLC

G06Q40/02G06Q50/01

Abstract

Claims (55)

1 . A system comprising:

one or more processors;

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the one or more processors to:

receive first transaction data associated with a first financial transaction with a first merchant performed by a first account holder using a first financial account;

receive or retrieve second transaction data associated with one or more second financial transactions performed by the first account holder, wherein the second transaction data associated with the one or more second financial transactions is from a second merchant different from the first merchant associated with the first financial transaction;

automatically associate the first transaction data associated with the first financial transaction and the second transaction data associated with the one or more second financial transactions with a first category, the first category comprising transactions occurring during a time period and within a location threshold;

automatically generate a first spend feed event based on the first category, the first spend feed event comprising an automatically generated name for the first spend feed event and a combined total amount, wherein:

the automatically generated name is a descriptive phrase based on similarities of the first and second transaction data associated with the first category, the time period, and the location threshold, and

the combined total amount is a sum of the first financial transaction and the one or more second financial transactions;

automatically generate a graphical user interface comprising an interactive mobile spend feed based at least in part on the first and second transaction data, wherein the interactive mobile spend feed comprises at least the first spend feed event comprising the automatically generated name and the combined total amount;

transmit the graphical user interface comprising the interactive mobile spend feed to a native application executing on a mobile device for display, the mobile device associated with the first account holder and the native application associated with the first financial account;

receive, from the native application executing on the mobile device, input from a user to modify the interactive mobile spend feed;

update the graphical user interface and interactive mobile spend feed based on the input; and

transmit the updated graphical user interface to the native application executing on the mobile device for display.

2 . The system of claim 1 , wherein the interactive mobile spend feed is provided to a social media account of the first account holder.

3 . The system of claim 1 , wherein the interactive mobile spend feed includes rewards information associated with the first financial transaction and the one or more second financial transactions.

4 . The system of claim 1 , wherein the interactive mobile spend feed creates a graphical representation of the transaction data by combining the transaction data associated with the first financial transaction with the transaction data of the one or more second financial transactions.

5 . The system of claim 1 , the memory comprises further instructions which are configured to cause the one or more processors to:

receive an image of a receipt from the mobile device;

associate the image of the receipt with the first transaction data associated with the first financial transaction; and

store the first transaction data and the image of the receipt in a database.

6 . The system of claim 1 , wherein one or more spend feed events are automatically named using the transaction data associated with the first financial transaction and the transaction data associated with the one or more second financial transactions.

7 . The system of claim 6 , wherein the spend feed displays a graphic to indicate a spend feed event, and the graphic is related to the name of the spend feed event.

8 . The system of claim 1 , wherein the spend feed event is automatically named based on a predetermined time period and a location of the first financial transaction and the one or more second financial transactions.

9 . A method comprising:

receiving, via a network, first transaction data associated with a first financial transaction performed by a first account holder using a first financial account;

receiving or retrieving second transaction data associated with one or more second financial transactions performed by the first account holder;

automatically associating the first transaction data associated with the first financial transaction and the second transaction data associated with the one or more second financial transactions with a first category, the first category comprising transactions occurring during a time period and within a location threshold;

automatically generating a first spend feed event based on the first category, the first spend feed event comprising an automatically generated name for the first spend feed event and combined total amount, wherein:

the automatically generated name is a descriptive phrase based on similarities of the first transaction data and the second transactions data associated with the first category, the time period, and the location threshold, and;

the combined total amount is a sum of the first financial transaction and the one or more second financial transactions;

automatically generating a graphical user interface comprising an interactive mobile spend feed based at least in part on the first transaction data and the second transaction data wherein the interactive mobile spend feed comprises at least the first spend feed event comprising the automatically generated name and the combined total amount;

transmitting the graphical user interface comprising the interactive mobile spend feed to a native application executing on a mobile device for display, the mobile device associated with the first account holder and the native application associated with the first financial account;

receiving, from the native application executing on the mobile device, input from a user to modify the interactive mobile spend feed;

updating the graphical user interface and interactive mobile spend feed based on the input; and

transmitting the updated graphical user interface to the native application executing on the mobile device for display.

10 . The method of claim 9 , further comprising providing the interactive mobile spend feed to a social media account of the first account holder.

11 . The method of claim 9 , wherein the interactive mobile spend feed includes rewards information associated with the first financial transaction.

12 . The method of claim 9 , wherein the interactive mobile spend feed creates a graphical representation of the transaction data by combining the transaction data associated with the first financial transaction with the transaction data of the one or more second financial transactions.

13 . A system comprising:

one or more processors;

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the one or more processors to:

receive first transaction data associated with a first financial transaction with a first merchant performed by an account holder using a financial account;

receive or retrieve second transaction data associated with one or more second financial transactions performed by the account holder using the financial account;

automatically associate the first transaction data associated with the first financial transaction and the second transaction data associated with the one or more second financial transactions with a first category, the first category comprising transactions occurring during a time period and within a location threshold;

automatically generate a first spend feed event based on the first category, the first spend feed event comprising an automatically generated name for the first spend feed event and a combined total amount, wherein:

the automatically generated name is a descriptive phrase based on similarities of the transaction data of the financial transactions associated with the first category, the time period, and the location threshold, and

the combined total amount is a sum of the first financial transaction and the one or more second financial transactions;

automatically generate a graphical user interface comprising an interactive mobile spend feed based at least in part on the first transaction data and the second transaction data, wherein the interactive mobile spend feed comprises at least the first spend feed event comprising the automatically generated name and the combined total amount;

transmit the graphical user interface comprising the interactive mobile spend feed to a native application executing on a mobile device for display, the mobile device associated with the account holder and the native application associated with the financial account;

receive, from the native application executing on the mobile device, input from a user to modify the interactive mobile spend feed;

update the graphical user interface and interactive mobile spend feed based on the input; and

transmit the updated graphical user interface to the native application executing on the mobile device for display.

14 . The system of claim 13 , wherein spend feed events are automatically named using the first transaction data associated with the first financial transaction and the second transaction data associated with the one or more second financial transactions.

15 . The system of claim 14 , wherein the spend feed displays a graphic to indicate the first spend feed event, and the graphic is related to the name of the spend feed event.

Assignments (1)

Continuity (4)

References Cited (12)