US 12,423,747 B2
Systems and methods for managing a customer account switch
Gagan Kanjlia, Frisco, TX (US); Vishal Puri, McLean, VA (US); Michael B. Kiernan, Fairfax, VA (US); and Evan S. Klein, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Feb. 3, 2024, as Appl. No. 18/431,943.
Application 18/431,943 is a continuation of application No. 18/177,074, filed on Mar. 1, 2023, granted, now 11,893,631.
Application 18/177,074 is a continuation of application No. 16/952,213, filed on Nov. 19, 2020, granted, now 11,615,465, issued on Mar. 28, 2023.
Application 16/952,213 is a continuation of application No. 16/458,334, filed on Jul. 1, 2019, granted, now 10,846,791, issued on Nov. 24, 2020.
Application 16/458,334 is a continuation of application No. 15/792,890, filed on Oct. 25, 2017, granted, now 10,373,249, issued on Aug. 6, 2019.
Application 15/792,890 is a continuation of application No. 14/548,020, filed on Nov. 19, 2014, granted, now 9,830,648, issued on Nov. 28, 2017.
Claims priority of provisional application 61/909,008, filed on Nov. 26, 2013.
Prior Publication US 2024/0177231 A1, May 30, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06K 5/00 (2006.01); G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 40/02 (2013.01) [G06Q 20/108 (2013.01); G06Q 20/227 (2013.01); G06Q 20/405 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A system, comprising:
one or more non-transitory computer-readable media storing computer program instructions; and
one or more processors that execute the computer program instructions configuring the one or more processors to:
receive an indication of instruction regarding one or more future transactions associated with a first account occurring within a threshold amount of time;
receive a transaction request associated with the first account;
responsive to determining, for the first account and the indication, that the transaction request cannot be completed based on a projected balance of the first account is insufficient to complete the transaction request, identify a balance amount in a second account for transfer to the first account and determine a recommendation of a time occurring within the threshold amount of time to transfer the balance amount from the second account to the first account based on the instruction; and
responsive to causing the balance amount to be transferred from the second account to the first account based on the time occurring within the threshold amount of time, complete the transaction request using the first account prior to the threshold amount of time elapsing.