US 12,282,934 B1
Analysis of debit card compared to credit card use
Venkatesh Hebbar, Chester Springs, PA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Feb. 16, 2023, as Appl. No. 18/170,369.
Application 18/170,369 is a continuation of application No. 17/644,952, filed on Dec. 17, 2021, granted, now 11,610,217.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0207 (2023.01); G06Q 30/0251 (2023.01)
CPC G06Q 30/0215 (2013.01) [G06Q 30/0254 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing device, comprising:
a processor; and
a system memory, the system memory including instructions which, when executed by the processor, cause the computing device to:
access, via a computer network, transaction data related to a debit card use from one or more financial data aggregators, where the one or more financial data aggregators combine financial accounts for a user across different financial institutions to provide a dataset of user financial transactions;
categorize the debit card use from the dataset of user financial transactions into one or more categories of spending based upon a type of merchant;
map the one or more categories to a potential savings associated with a plurality of credit card products;
identify one or more credit card products that the user is prequalified to obtain;
present a first user interface including an account summary section and an incentives section presenting one or more potential incentives for the user associated with use of the one or more credit card products in place of the debit card use, wherein the incentives section identifies one or more categories of spending with an associated possible savings for each of the one or more categories of spending if the one or more credit card products had been used;
receive a selection, by the user, of the one or more categories of spending with the associated possible savings on the incentives section of the first user interface from a user device; and
upon receiving the selection of the one or more categories of spending on the first user interface, generate a second user interface overlayed on the first user interface to provide a modified first user interface displaying a graphical representation of the one or more credit card products and the potential savings for each, wherein the second user interface provides a link to the user to an application that allows the user to apply for a prequalified credit card product from the one or more credit card products, facilitating immediate application for the selected prequalified credit card product by enabling direct submission through the second user interface.