System for automatically transferring account information, such as information regarding a financial services account
AssigneeJPMorgan Chase Bank, N.A.
InventorsNathan P. Wehunt, Jeanne Blair, Scott A. Lux, Jeffrey Gradwohl, Steven J. Dickinson, Helen Boyles, Christian M. Houssiere, Audra K. Stoll, Tara L. Jacobson, Gregory L. Cunningham
Life of this patent
Estimating the term…
Abstract
A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine services at the old account and facilitate the transfer of these services to the new account.
Claims24
A system for facilitating automatic transfers of user account information from a first transaction account to a second transaction account, the system comprising:
- a first subsystem configured to access, over at least one network, a first transaction account of a user via a server associated with a first financial institution;
- a second subsystem configured to gather, from the first transaction account at the first financial institution, information related to at least one payment transaction associated with the first transaction account;
- and
- a third subsystem coupled among the first subsystem and the second subsystem, wherein the third subsystem is configured to access a server associated with the first financial institution and automatically transfer at least some of the gathered information related to the at least one payment transaction to a second transaction account at a second financial institution that is different from and independent of the first financial institution.
A method in a computing system for facilitating the automatic transfer of information to a user account, the method comprising:
- at least one of a plurality of computer processors accessing data associated with a first transaction account held by a user with a first financial institution;
- at least one of the plurality of computer processors gathering at least some information related to the user from the first transaction account, wherein the gathered information includes information regarding at least one electronic bill payment transaction associated with the first transaction account;
- and
- at least one of the plurality of computer processors forwarding the gathered information for insertion into appropriate data fields of a second transaction account for the user with a second financial institution unrelated to the first financial institution.
A computing system, comprising:
- a component configured to automatically access a first account of a user at a first entity and gather information from the first account;
- and
- an automated switch kit configured to automatically migrate information regarding at least one payment transaction from the first account of the user at the first entity to a second account of the user at a second entity independent of and unaffiliated with the first entity.
Dependencies are inferred from the claim text.