US 12,423,749 B2
Credit line adjustment
Tai T. Duong, Des Moines, IA (US); Alexander Foote, West Chester, PA (US); Christine C. Gherlone, Clayton, CA (US); Gerald Guinn, Concord, CA (US); Oyenola Ogunyemi-Craig, North Brunswick, NJ (US); and Joanna J. Prebeck, Johnston, IA (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 Aug. 17, 2023, as Appl. No. 18/451,474.
Application 18/451,474 is a continuation of application No. 17/111,106, filed on Dec. 3, 2020, granted, now 11,776,051.
Application 17/111,106 is a continuation in part of application No. 15/218,476, filed on Jul. 25, 2016, granted, now 10,878,496, issued on Dec. 29, 2020.
Prior Publication US 2023/0394572 A1, Dec. 7, 2023
Int. Cl. G06Q 40/03 (2023.01); G06F 3/0482 (2013.01); G06Q 10/10 (2023.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); G06Q 30/0226 (2023.01)
CPC G06Q 40/03 (2023.01) [G06F 3/0482 (2013.01); G06Q 10/10 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/4037 (2013.01); G06Q 20/42 (2013.01); G06Q 30/0226 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A computer implemented method to switch from a first financial product owned by a user to a second financial product that is new to the user, the method comprising:
generating a graphical user interface with a first section and a second section for display on a user device;
sending, to the user device for display on the first section of the graphical user interface, data associated with one or more financial products owned by the user;
receiving, via the first section of the graphical user interface, a selection of the first financial product having a first account number, wherein the first financial product is one of the one or more financial products owned by the user, and wherein the first financial product corresponds to a first credit card owned by the user;
sending, to the user device for display on the second section of the graphical user interface, data associated with one or more new financial products, wherein the one or more new financial products are automatically filtered by evaluating qualification data associated with the user to determine eligibility so that only eligible financial products are displayed in the second section, and wherein the data associated with the one or more new financial products includes information on features associated with each of the one or more new financial products that is displayed concurrently within the second section of the graphical user interface for side by side comparison of the features of the one or more new financial products,
wherein the first section displays a graphical image of the first financial product and brief details including a name and a summary of the features and benefits of the first financial product,
wherein the second section displays graphical images of the one or more new financial products side-by-side with a view details option and a change card option adjacent to each of the one or more new financial products, and
wherein selection of the view details option causes the graphical user interface to display additional details associated with the features, benefits and terms and conditions of each of the one or more new financial products,
receiving, via the second section of the graphical user interface, a selection of the second financial product, wherein the second financial product is one of the one or more new financial products, and wherein the first financial product and the second financial product are within a network; and
switching from the first financial product to the second financial product, including:
transferring at least a portion of a first credit limit amount associated with the first financial product to the second financial product without closing the first financial product; and
retaining the first credit card, including:
retaining the first account number as an account number for the second financial product; and
causing first features of the first financial product to be unavailable to the user on the first credit card while simultaneously causing second features of the second financial product to be available to the user on the first credit card,
wherein selection of the change card option initiates the transferring and causes the graphical user interface to display a confirmation request,
wherein, upon receiving confirmation, the graphical user interface displays disclosure materials for acceptance before executing the transferring, and
wherein, upon successful completion of the transferring, the graphical user interface displays an alert through a secure communication confirming the second financial product and indicating that features and benefits of the second financial product are now available.