US 12,236,424 B2
System and method for facilitating transfer of electronic payment information
Michael Mossoba, Arlington, VA (US); Joshua Edwards, Philadelphia, PA (US); and Abdelkader Benkreira, Washington, DC (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 2, 2023, as Appl. No. 18/142,489.
Application 18/142,489 is a continuation of application No. 16/904,165, filed on Jun. 17, 2020, granted, now 11,676,140.
Prior Publication US 2023/0360041 A1, Nov. 9, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06F 21/62 (2013.01); G06Q 20/02 (2012.01); G06Q 20/12 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01); H04L 9/40 (2022.01)
CPC G06Q 20/3829 (2013.01) [G06F 21/6245 (2013.01); G06Q 20/023 (2013.01); G06Q 20/12 (2013.01); G06Q 20/4014 (2013.01); G06Q 40/02 (2013.01); H04L 63/08 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An account information processing server for transferring payee payment account information associated with payment transactions of account holder accounts from a first account provider to a second account provider, the account information processing server comprising:
a communication interface in communication with one or more networks;
a user authentication processor;
a payment information selection processor; and
a payment information assembly processor,
wherein the user authentication processor is configured to:
receive a transfer request from an account holder device of an account holder;
initiate an interactive communication with the account holder device by establishing the interactive communication with the account holder device;
authenticate the transfer request, wherein authenticating the transfer request further comprises:
sending, to the account holder device, a prompt for user authentication information,
receiving, from the account holder device, encrypted user authentication information,
decrypting the encrypted user authentication information, and
verifying that the account holder device is associated with an account holder account of the account holder using the user authentication information, wherein the account holder account is one of the account holder accounts from the first payment provider;
wherein the payment information selection processor is configured to:
upon authentication of the transfer request, obtain, from a payment transaction information database, electronic payment transaction information associated with electronic payments made from the account holder account,
assemble, using the electronic payment transaction information, a list of one or more payees associated with the electronic payments,
transmit, via the communication interface and a first network for the first account provider, the assembled list of one or more payees to the account holder device to display the assembled list of one or more payees; and
wherein the payment information assembly processor is configured to:
receive a user selection of at least one selected payee from the assembled list of one or more payees from the payment information selection processor, and
assemble, in response to the transfer request, a payment account information data file using a predetermined data format, wherein the payment account information data file comprises payment account information for each of the at least one selected payee in the predetermined data format.