Automatic payment and deposit migration
First Claim
1. A method comprising:
- receiving, by a third-party computer server, authorization from a user via a computer network to electronically aggregate transaction data of the user for a first financial institution;
electronically aggregating the transaction data of the user for the first financial institution and storing the aggregated transaction data in a computer memory of the third-party computer server;
detecting, by the third-party computer server, a recurring payment from the aggregated transaction data of the user for the first financial institution;
receiving, by the third-party computer server, a request from the user via the computer network to electronically migrate automatic payment of the detected recurring payment from the first financial institution to a second financial institution;
determining, by the third-party computer server, payee information from the aggregated transaction data for the detected recurring payment and storing the payee information in the computer memory of the third-party computer server;
electronically scraping, by the third-party computer server, payment information from a website interface associated with the first financial institution and storing the payment information in the computer memory of the third-party computer server;
retrieving, by the third-party computer server, one or more electronic automatic payment forms directly from a server associated with the second financial institution based on the payee information stored in the computer memory of the third-party computer server;
automatically populating, by the third-party computer server, the one or more retrieved electronic automatic payment forms with the scraped payment information stored in the computer memory of the third-party computer server; and
submitting, by the third-party computer server, the one or more populated electronic automatic payment forms directly back to the server associated with the second financial institution over the computer network, thereby migrating the automatic payment of the detected recurring payment from the first financial institution to the second financial institution.
2 Assignments
0 Petitions
Accused Products
Abstract
Apparatuses, systems, methods, and computer program products are disclosed for automatic payment and deposit migration. A method includes receiving a request to migrate a recurring payment from a first to a second electronic payment source. A method includes determining payee information for the recurring payment. A method includes electronically scraping payment information from a website interface associated with the recurring payment. A method includes retrieving one or more electronic automatic payment forms associated with the recurring payment based on the payee information. A method includes populating the one or more retrieved electronic automatic payment forms based on the payment information. A method includes submitting the one or more populated electronic automatic payment forms back to the website interface associated with the recurring payment over the computer network to migrate the automatic payment for the detected recurring payment from the first electronic payment source to the second electronic payment source.
117 Citations
20 Claims
-
1. A method comprising:
-
receiving, by a third-party computer server, authorization from a user via a computer network to electronically aggregate transaction data of the user for a first financial institution; electronically aggregating the transaction data of the user for the first financial institution and storing the aggregated transaction data in a computer memory of the third-party computer server; detecting, by the third-party computer server, a recurring payment from the aggregated transaction data of the user for the first financial institution; receiving, by the third-party computer server, a request from the user via the computer network to electronically migrate automatic payment of the detected recurring payment from the first financial institution to a second financial institution; determining, by the third-party computer server, payee information from the aggregated transaction data for the detected recurring payment and storing the payee information in the computer memory of the third-party computer server; electronically scraping, by the third-party computer server, payment information from a website interface associated with the first financial institution and storing the payment information in the computer memory of the third-party computer server; retrieving, by the third-party computer server, one or more electronic automatic payment forms directly from a server associated with the second financial institution based on the payee information stored in the computer memory of the third-party computer server; automatically populating, by the third-party computer server, the one or more retrieved electronic automatic payment forms with the scraped payment information stored in the computer memory of the third-party computer server; and submitting, by the third-party computer server, the one or more populated electronic automatic payment forms directly back to the server associated with the second financial institution over the computer network, thereby migrating the automatic payment of the detected recurring payment from the first financial institution to the second financial institution. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A computer program product comprising computer readable code stored on a non-transitory computer readable storage medium, the computer readable code executable by a processor to perform operations, the operations comprising:
-
receiving, by a third-party computer server, authorization from a user via a computer network to electronically aggregate transaction data of the user for a first financial institution; electronically aggregating the transaction data of the user for the first financial institution and storing the aggregated transaction data in a computer memory of the third-party computer server; detecting, by the third-party computer server, a recurring payment from the aggregated transaction data of the user for the first financial institution; receiving, by the third-party computer server, a request from the user via the computer network to electronically migrate automatic payment of the detected recurring payment from the first financial institution to a second financial institution; determining, by the third-party computer server, payee information from the aggregated transaction data for the detected recurring payment and storing the payee information in the computer memory of the third-party computer server; electronically scraping, by the third-party computer server, payment information from a website interface associated with the first financial institution and storing the payment information in the computer memory of the third-party computer server; retrieving, by the third-party computer server, one or more electronic automatic payment forms directly from a server associated with the second financial institution based on the payee information stored in the computer memory of the third-party computer server; automatically populating, by the third-party computer server, the one or more retrieved electronic automatic payment forms with the scraped payment information stored in the computer memory of the third-party computer server; and submitting, by the third-party computer server, the one or more populated electronic automatic payment forms directly back to the server associated with the second financial institution over the computer network, thereby migrating the automatic payment of the detected recurring payment from the first financial institution to the second financial institution. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
-
-
17. An apparatus comprising:
-
means for receiving, by a third party computer server, authorization from a user via a computer network to electronically aggregate transaction data of the user for a first financial institution; means for electronically aggregating the transaction data of the user for the first financial institution and storing the aggregated transaction data in a computer memory of the third-party computer server; means for detecting, by the third-party computer server, a recurring payment from the aggregated transaction data of the user for the first financial institution; means for receiving, by the third-party computer server, a request from the user via the computer network to electronically migrate automatic payment of the detected recurring payment from the first financial institution to a second financial institution; means for determining, by the third-party computer server, payee information from the aggregated transaction data for the detected recurring payment and storing the payee information in the computer memory of the third-party computer server; means for electronically scraping, by the third-party computer server, payment information from a website interface associated with the first financial institution and storing the payment information in the computer memory of the third-party computer server; means for retrieving, by the third-party computer server, one or more electronic automatic payment forms directly from a server associated with the second financial institution based on the payee information stored in the computer memory of the third-party computer server; means for automatically populating, by the third-party computer server, the one or more retrieved electronic automatic payment forms with the scraped payment information stored in the computer memory of the third-party computer server; and means for submitting, by the third-party computer server, the one or more populated electronic automatic payment forms directly back to the server associated with the second financial institution over the computer network, thereby migrating the automatic payment of the detected recurring payment from the first financial institution to the second financial institution. - View Dependent Claims (18, 19, 20)
-
Specification