This invention describes a system that connects a user's bank account or payment method to various online services or apps. When you reserve something through one of these linked services, the system keeps track. If it later detects that you actually used the reserved item, it can then automatically confirm or process the payment for it.
Why it matters: Filed before widespread adoption of standardized financial APIs and robust digital usage tracking. The maturity of Open Banking standards and advanced digital analytics now simplify the integration needed to sync accounts and verify item usage.
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