US 11,875,399 B2
Systems and methods for providing a separate interest rate for an individual transaction
Marcie Apelt, Richmond, VA (US); Megan Edds, Glen Allen, VA (US); Keith Barron, Henrico, VA (US); Ashley Gibbs, Richmond, VA (US); Matthew Vischulis, Vienna, VA (US); Carl Ashby, Montpelier, VA (US); Baining Hu, Vienna, VA (US); Yi Liu, Oakton, VA (US); and David Schardt, Henrico, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 7, 2023, as Appl. No. 18/179,804.
Application 18/179,804 is a continuation of application No. 17/227,455, filed on Apr. 12, 2021, granted, now 11,625,773.
Application 17/227,455 is a continuation of application No. 16/561,214, filed on Sep. 5, 2019, granted, now 10,977,726, issued on Apr. 13, 2021.
Application 16/561,214 is a continuation of application No. 15/831,875, filed on Dec. 5, 2017, granted, now 10,445,825, issued on Oct. 15, 2019.
Application 15/831,875 is a continuation of application No. 14/847,988, filed on Sep. 8, 2015, granted, now 10,402,900, issued on Sep. 3, 2019.
Claims priority of provisional application 62/048,099, filed on Sep. 9, 2014.
Prior Publication US 2023/0222573 A1, Jul. 13, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01)
CPC G06Q 40/02 (2013.01) 20 Claims
OG exemplary drawing
 
1. A computing device for maintaining parallel data structures for transaction data, comprising:
one or more memory devices storing software instructions; and
at least one processor configured to execute the software instructions to perform operations comprising:
generating a first data structure in an electronic database, the first data structure comprising first data relating to a first plurality of transactions associated with a first interest rate;
providing, to a user device, a plurality of potential transactions for display in a user interface at the user device;
receiving, via the user device, a selected transaction from the plurality of potential transactions;
receiving a selected transaction amount based on a completion of the selected transaction;
automatically generating a second data structure in the electronic database in parallel to the first data structure, in response to the completion of the selected transaction, the second data structure different and separate from the first data structure, the second data structure being associated with a finance charge different from the first interest rate;
automatically modifying the first data structure based on the first interest rate in response to expiration of a first duration of time; and
automatically modifying the second data structure based on the finance charge in response to the expiration of the first duration of time in parallel to automatically modifying the first data structure based on the first interest rate, wherein modifying the second data structure comprises updating the selected transaction amount based on the finance charge.