Learning a shopper’s staples
Spots the items a customer buys order after order and offers them back as a ready-made My Staples list.
Granted as “Learning staple goods for a user”
Ordering for the household
Gives everyone on a shared account their own profile, and suggests what the rest of the household has bought before.
Granted as “Method and medium for leveraging information about prior orders from various users associated with an account when receiving an order from a user associated with the account”
Seeing a purchase’s future
Augmented and virtual reality that shows what a car or a home in view would look like in your future, given where your finances are heading.
Granted as “System for prediction of future circumstances and generation of real-time interactive virtual reality user experience”
Protecting a planned purchase
Watches for events that could knock a planned purchase off course, then stops them or warns you before they land.
Granted as “Establishing an operative connection between a computing network and a third-party computing system for transmitting indications of process relationships”
Learning from people like you
When something out of the ordinary happens to your money, compares it with people in a similar spot to project where you are heading.
Granted as “System for transmission and use of aggregated metrics indicative of future customer circumstances”
Recommendations from your trends
An AI engine that reads trends in how you spend and save against similar customers, and recommends what to change.
Granted as “Leveraging an artificial intelligence engine to generate customer-specific user experiences based on real-time analysis of customer responses to recommendations”
An interface that adapts to you
Moves you from the standard interface to one fitted to you, based on how you have responded to its recommendations.
Continues US 10,510,088. Granted as “Leveraging an artificial intelligence engine to generate customer-specific user experiences based on real-time analysis of customer responses to recommendations”
Fewer, sharper alerts
Tracks which alerts people act on and changes how each one looks, so fewer alerts get more done.
Granted as “System for generating user experience for improving efficiencies in computing network functionality by specializing and minimizing icon and alert usage”
One hub for every subscription
Finds your subscriptions across cards and accounts, and gives you one place to review, renew or cancel them.
Granted as “System for automatically establishing operative communication channel with third party computing systems for subscription regulation”
Catching unused subscriptions
Notices the subscriptions you have stopped using and offers to cancel or change them.
Continues US 10,476,974. Granted as “System for automatically establishing operative communication channel with third party computing systems for subscription regulation”
Catching double charges
Spots when you are paying for the same thing twice and cancels the duplicate, without needing your login for the service.
Granted as “System for automatically establishing an operative communication channel to transmit instructions for canceling duplicate interactions with third party systems”