# US 10,373,249 B2 · Systems and methods for managing a customer account switch > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,373,249 B2 - Document ID: US10373249B2 - Status: Granted - Kind: B2 - Application number: 15/792,890 - Filed: 2017-10-25 - Published: 2018-04-12 - Granted: 2019-08-06 - Earliest claimed: 2013-11-26 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Gagan Kanjlia; Vishal Puri; Michael B. Kiernan; Evan S. Klein - Web page: https://patentgrep.com/patent/US10373249B2 ## CPC - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action. ## Claims ### Claim 1 An apparatus, comprising: a storage device storing a set of instructions for updating account information; and at least one processor coupled to the storage device, the set of instructions configuring the at least one processor to: receive transaction data associated with a first account, the transaction data comprising a plurality of transaction entries, wherein one or more transaction entries correspond to recurring transactions and one or more transaction entries correspond to non-recurring transactions; filter the transaction data to generate a transaction checklist, wherein filtering the transaction data comprises removing transaction entries corresponding to non-recurring transactions from the transaction data; identify transaction entries in the transaction checklist that are scheduled within a threshold length of time; determine a recommendation for a customer action based on a transaction entry associated with a recurring transaction in the transaction checklist; transmit instructions to display the transaction checklist and the recommendation in a client device; and receive, from the client device, instructions to switch the transaction entry associated with the recurring transaction from the first account to a second account, wherein the recommendation specifies that identified transaction entries scheduled within the threshold length of time should be switched after respective scheduled activities. ### Claim 2 (depends on 1) The apparatus of claim 1, wherein to filter the transaction data, the at least one processor is configured to remove transaction entries selected from the group consisting of transaction entries associated with point of sale purchases and duplicate transaction entries. ### Claim 3 (depends on 2) The apparatus of claim 2, wherein to remove duplicate transactions entries, the at least one processor is further configured to combine duplicate transactions into a single transaction entry by estimating a combined value. ### Claim 4 (depends on 1) The apparatus of claim 1, wherein each of the plurality of transaction entries includes a transaction description, an associated merchant, an amount, or a processing date. ### Claim 5 (depends on 1) The apparatus of claim 1, wherein to determine a recommendation, the at least one processor is further configured to: identify transactions that exceed funds in the second account; and recommend a transfer of funds to the second account before the future customer action when transactions exceed funds in the second account is identified. ### Claim 6 (depends on 1) The apparatus of claim 1, wherein the at least one processor is further configured to: transmit instructions to carry out a manual switch process to the client device when communication with the merchant devices is not possible. ### Claim 7 (depends on 1) The apparatus of claim 1, wherein the instructions to display comprise instructions to generate a graphical user interface comprising: a list comprising a plurality of bills of the transaction checklist and a plurality of buttons, each one of the plurality of bills being associated with one of the plurality of buttons; and an alert message based on the recommendation, the alert message being associated with at least one of the plurality of bills. ### Claim 8 (depends on 7) The apparatus of claim 7, wherein the alert message is displayed within the list. ### Claim 9 (depends on 7) The apparatus of claim 7, wherein the alert message is displayed overlaying the list. ### Claim 10 A computer-implemented method for updating account information, the method comprising the following operations performed by at least one processor: receiving transaction data associated with a first account, the transaction data comprising a plurality of transaction entries, wherein one or more transaction entries correspond to recurring transactions and one or more transaction entries correspond to non-recurring transactions; filtering the transaction data to generate a transaction checklist, wherein filtering the transaction data comprises removing transaction entries corresponding to non-recurring transactions from the transaction data; identifying transaction entries in the transaction checklist that are scheduled within a threshold length of time; determining a recommendation for a customer action based on a transaction entry associated with a recurring transaction in the transaction checklist; transmitting instructions to display the transaction checklist and the recommendation in a client device; and receiving, from the client device, instructions to switch the transaction entry associated with the recurring transaction from the first account to a second account wherein the recommendation specifies that identified transaction entries scheduled within the threshold length of time should be switched after respective scheduled activities. ### Claim 11 (depends on 10) The computer-implemented method of claim 10, wherein filtering the transaction data comprises removing, from the transaction data, entries selected from the group consisting of transaction entries associated with point of sale purchases and duplicate transaction entries from the transaction data. ### Claim 12 (depends on 11) The computer-implemented method of claim 11, wherein removing duplicate transaction entries comprises combining duplicate transactions into a single transaction entry by estimating a combined value. ### Claim 13 (depends on 10) The computer-implemented method of claim 10, wherein each of the plurality of transaction entries includes a transaction description, an associated merchant, an amount, or a processing date. ### Claim 14 (depends on 10) The computer-implemented method of claim 10, wherein determining a recommendation comprises: identifying transactions that exceed funds in the second account; and recommending a transfer of funds to the second account when a transaction exceeds funds in the second account is identified. ### Claim 15 (depends on 10) The computer-implemented method of claim 10, further comprising: transmitting instructions for a manual switch process to the client device when communication with the merchant devices is not possible. ### Claim 16 A non-transitory computer-readable medium storing instructions for updating account information that, when executed by at least one processor, cause the at least one processor to: receive transaction data associated with a first account, the transaction data comprising a plurality of transaction entries, wherein one or more transaction entries correspond to recurring transactions and one or more transaction entries correspond to non-recurring transactions; filter the transaction data to generate a transaction checklist, wherein filtering the transaction comprises removing transaction entries corresponding to non-recurring transactions from the transaction data; identify transaction entries in the transaction checklist that are scheduled within a threshold length of time; determine a recommendation for a customer action based on a recurring transaction entry associated with a recurring transaction in the transaction checklist; transmit instructions to display the transaction checklist and the recommendation in a client device; receive, from the client device, instructions to switch the transaction entry associated with the recurring transaction from the first account to a second account wherein the recommendation specifies that identified transaction entries scheduled within the threshold length of time should be switched after respective scheduled activities. ### Claim 17 (depends on 16) The medium of claim 16, wherein instructions that cause the at least one processor to filter the transaction cause the processor to remove, from the transaction data, transaction entries selected from the group consisting of transaction entries associated with point of sale purchases and duplicate transaction entries. ### Claim 18 (depends on 17) The medium of claim 17, wherein instructions that cause the at least one processor to remove duplicate transactions entries cause the processor to combine duplicate transactions into a single transaction entry by estimating a combined value. ### Claim 19 (depends on 16) The medium of claim 16, wherein instructions that cause the at least one processor to determine a recommendation, further cause the processor to: identify transactions that exceed funds in the second account; and recommend a transfer of funds to the second account when a transaction that exceeds funds in the second account is identified. ### Claim 20 (depends on 16) The medium of claim 16, wherein the stored instructions further cause the at least one processor to: transmit instructions to carry out a manual switch process to the client device when communication with the merchant devices is not possible.