US-12619964-B1 - System and method for digital integration of financial features

US12619964B1US 12619964 B1US12619964 B1US 12619964B1US-12619964-B1

Abstract

Systems and methods for digital integration of financial features between a user and a service provider is provided. For example, if a user device is registered with the service provider, the user device may receive an electronic notification (e.g., calendar entry) related to outstanding account operations. The user device may be able to complete the outstanding account operations by accessing the electronic notification and embedded financial information.

Inventors

Carlos JP Chavez
Andrea Marie Richardson
Janelle Denice Dziuk
Oscar Roberto Tijerina
Valmore M. Smith
Gregory David Hansen
Gregory Brian Meyer
Courtney St. Martin

Assignees

UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

Dates

Publication Date: 20260505
Application Date: 20240305

Claims (20)

1 . A method, comprising: registering, via a user device, a device identity (ID) corresponding to the user device with a service provider; receiving, via the user device and based on the device ID being registered, a calendar notification from an account provider, the service provider, or both, wherein the calendar notification comprises a controllable command to trigger performance of an account operation associated with the service provider remote to the user device on a scheduled date, wherein the controllable command is encrypted for execution by the user device corresponding to the registered device ID; in response to receiving the calendar notification, inserting a calendar entry representative of the calendar notification in an electronic calendar of the user device; and performing the account operation remote to the user device conditioned on user-device-side authentication, by: receiving a decryption key based upon the device ID being registered with the service provider; decrypting the controllable command; and on the scheduled date, launching the decrypted controllable command via the user device for execution by the service provider without requiring further authentication.
2 . The method of claim 1 , wherein the account operation comprises one or more scheduled payments, one or more scheduled withdrawals, one or more scheduled deposits, or any combination thereof.
3 . The method of claim 1 , wherein the calendar notification comprises an instruction for the user device to provide a reminder associated with the controllable command and the scheduled date.
4 . The method of claim 1 , wherein the calendar notification comprises a link to access one or more accounts of a user associated with the user device.
5 . The method of claim 4 , comprising displaying one or more actual balances and one or more predicted balances associated with the one or more accounts in response to accessing the link.
6 . The method of claim 1 , wherein the account operation comprises providing one or more predicted balances associated with one more accounts based on: analysis of aggregated data of scheduled payments; an averaging of historical payment data; or both.
7 . The method of claim 1 , wherein the calendar notification is generated in response to an outstanding account operation between an account of a user associated with the user device and the service provider.
8 . The method of claim 7 , comprising removing the calendar notification in response to completion of the outstanding account operation.
9 . A system, comprising: a computing device associated with a service provider; and a user device configured to: register a device identity (ID) corresponding to the user device with the service provider; receive, based on the device ID being registered, a calendar notification from an account provider, the service provider, or both, wherein the calendar notification comprises a controllable command to trigger performance of an account operation associated with the service provider remote to the user device on a scheduled date, wherein the controllable command is encrypted for execution by the user device corresponding to the registered device ID; in response to receiving the calendar notification, insert a calendar entry representative of the calendar notification in an electronic calendar of the user device; and perform the account operation remote to the user device conditioned on user-device-side authentication, by: receiving a decryption key based upon the device ID being registered with the service provider; decrypting the controllable command; and on the scheduled date, launching the decrypted controllable command via the user device for execution by the service provider without requiring further authentication.
10 . The system of claim 9 , wherein the calendar notification comprises an internet calendar schedule (ICS) file.
11 . The system of claim 9 , wherein one or more accounts comprise one or more bank accounts of a user associated with the user device.
12 . The system of claim 9 , wherein the account operation corresponds to an outstanding account operation comprising one or more scheduled bill due dates, one or more scheduled bill payments, one or more scheduled withdrawals, one or more scheduled deposits, or any combination thereof.
13 . The system of claim 9 , wherein the user device is configured to receive the calendar notification in response to the account provider receiving an indication that the device ID is registered.
14 . The system of claim 9 , wherein the user device is configured to receive the calendar notification in response to the service provider authorizing the user device by determining the device ID is registered.
15 . The system of claim 9 , wherein the account operation comprises providing one or more predicted balances associated with one more accounts based on: analysis of aggregated data of scheduled payments; an averaging of historical payment data; or both.
16 . The system of claim 9 , wherein the user device is configured to receive an image or video representation corresponding to the account operation.
17 . A non-transitory, machine-readable medium, comprising machine-readable instructions that, when executed by one or more processors of a machine, cause the machine to: register a device identity (ID) with a service provider; receive, based on the device ID being registered, a calendar notification from an account provider, the service provider, or both, wherein the calendar notification comprises a controllable command to trigger performance of an account operation associated with the service provider remote to the user device on a scheduled date, wherein the controllable command is encrypted for execution by a user device corresponding to the registered device ID; in response to receiving the calendar notification, insert a calendar entry representative of the calendar notification in an electronic calendar of the user device; and perform the account operation remote to the user device conditioned on user-device-side authentication, by: receiving a decryption key based upon the device ID being registered with the service provider; decrypting the controllable command; and on the scheduled date, launching the decrypted controllable command via the user device for execution by the service provider without requiring further authentication.
18 . The non-transitory, machine-readable medium of claim 17 , comprising machine-readable instructions, that when executed by the one or more processors, cause the machine to receive the calendar notification in response to the service provider or the account provider determining that the device ID corresponding to the user device is registered.
19 . The non-transitory, machine-readable medium of claim 17 , wherein the account operation comprises one or more scheduled bill payments, one or more scheduled withdrawals, one or more scheduled deposits, or any combination thereof.
20 . The method of claim 1 , wherein the launching the decrypted controllable command via the user device for execution by the service provider without requiring further authentication causes performance of the account operation without requiring a user of the user device to provide an account name, an account password, or both.

Description

CROSS REFERENCE RELATED TO APPLICATIONS This application is a continuation of U.S. Non-Provisional application Ser. No. 17/186,317, entitled “SYSTEM AND METHOD FOR DIGITAL INTEGRATION OF FINANCIAL FEATURES,” filed Feb. 26, 2021, which claims priority from and the benefit of U.S. Provisional Application Ser. No. 62/983,295, entitled “SYSTEM AND METHOD FOR DIGITAL INTEGRATION OF FINANCIAL FEATURES,” filed Feb. 28, 2020, each of which is herein incorporated by reference in its entirety for all purposes. BACKGROUND The present disclosure relates generally to systems and methods for integrating a user device with a service provider via financial communication. More particularly, the financial communication may include electronic notifications (e.g., push notifications, email notifications, etc.) that result in calendar entries and reminders to facilitate performance of financial functions (e.g., regular payments) by the user device with respect to the service provider. This section is intended to introduce the reader to various aspects of art that may be related to various aspects of the present disclosure, which are described and/or claimed below. This discussion is believed to help provide the reader with background information to facilitate a better understanding of the various aspects of the present disclosure. Accordingly, it is understood that these statements are to be read in this light, and not as admissions of prior art. Digital banking, digitalization of banking activities (e.g., withdrawals, deposits, payments) through the application of technologies, has allowed for the automation of financial operations and features. In particular, it is now recognized that integrating a user device with a service provider via financial communication may be desirable. Financial communication such as calendar entries and reminders to perform financial functions (e.g., regular payments) by the user device with respect to the service device may improve efficiency and avoid multiple levels of authentication (e.g., dual authentication) when conducting financial operations. SUMMARY A summary of certain embodiments disclosed herein is set forth below. It should be understood that these aspects are presented merely to provide the reader with a brief summary of these certain embodiments and that these aspects are not intended to limit the scope of this disclosure. Indeed, this disclosure may encompass a variety of aspects that may not be set forth below. Embodiments of the present disclosure relate to integrating a user device with a service provider via financial communication. In a particular embodiment, financial communication may include calendar entries or reminders sent to a user device to perform financial operations (e.g., regular payments) with respect to the service provider. The user device (e.g., smartphone) may be registered with the service provider to receive the financial communication (e.g., regular calendar entry or reminder for a payment). In some embodiments, the user device may include decryption services to decode the financial communication to successfully perform the financial operation. In one embodiment, a method for digitally integrating financial features is provided. In accordance with the method, a user device may receive an electronic notification from an account provider. The electronic notification may include an account operation associated with a service provider in response to the user device being authorized by the service provider. The method also includes the user device decoding, via a decryption service, the electronic notification to access information related to the account operation. Further, the method includes the user device performing, the account operation based on accessing the information from the electronic notification. In a further embodiment, a system may include a computing device associated with a service provider and a user device. The user device is configured to: receive an electronic notification from an account provider in response to the user device being authorized; decode, via a decryption service, the electronic notification to access information related to one or more outstanding account operations between one or more accounts associated with the user device and the service provider; and perform the one or more outstanding account operations in response to accessing the information. In an additional embodiment, a non-transitory, machine-readable medium, comprising machine-readable instructions that, when executed by one or more processors of a machine, cause the machine to receive an electronic notification from an account provider. The electronic notification may include an account operation associated with a service provider and one or more accounts. The machine-readable instructions that, when executed by one or more processors of a machine, cause the machine to also: decode, via a decryption service of a user device, the electronic notification; access i