- Patent Title: System and method for facilitating bank account information changes
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Application No.: US18124911Application Date: 2023-03-22
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Publication No.: US12079864B2Publication Date: 2024-09-03
- Inventor: Jeffrey Rule , Michelle Olenoski
- Applicant: Capital One Services, LLC
- Applicant Address: US VA McLean
- Assignee: CAPITAL ONE SERVICES, LLC
- Current Assignee: CAPITAL ONE SERVICES, LLC
- Current Assignee Address: US VA McLean
- Agency: HUNTON ANDREWS KURTH LLP
- Main IPC: G06K15/00
- IPC: G06K15/00 ; G06F16/23 ; G06N5/04 ; G06N20/00 ; G06Q10/0631 ; G06Q20/34 ; G06Q20/40 ; G06Q40/02 ; H04L9/40 ; H04L67/06 ; H04L67/306 ; H04L67/54 ; G06F3/0481

Abstract:
In a method for changing a user's bank account information in merchant account databases a server receives a login request including a user identification and first user authentication information. The server further receives a request to change bank account information from a first bank account to a second bank account for merchant accounts of the user and network login information for the first bank account. The server accesses an account information database for the first bank account and downloads transaction information for merchant transactions involving the first bank account. The server identifies a set of merchant user accounts involved in the merchant transactions and receives account login information for a data site associated with a selected account. The server accesses the data site and changes a bank account identification stored therein from the first bank account to the second bank account.
Public/Granted literature
- US20230289875A1 SYSTEM AND METHOD FOR FACILITATING BANK ACCOUNT INFORMATION CHANGES Public/Granted day:2023-09-14
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