AGGREGATION DATA SOURCE MATCHING AND MERGING
The disclosure extends to methods, systems, and computer program products for moving one or more user accounts from one institution to another over a network of computers. The method and system may include receiving a request from a user to move one or more accounts between a first institution and a second institution, retrieving old account data corresponding to the request from the first institution, scraping field values from the old account data and storing said field values in computer memory, populating form fields within a plurality of new accounts with field values retrieved from the computer memory as required by the second institution in order to create the new accounts with the second institution, and closing old accounts with the first institution.
1 . A method for moving at least one account from one institution to another over a network of computers comprising:
receiving into computer memory a request from a user to move at least one account between a first institution and a second institution;
retrieving old account data corresponding to the request from the first institution and storing the old account data into readable memory;
scraping field values from the old account data retrieved from computer memory and storing said field values in computer memory;
populating form fields within at least one new account with field values retrieved from the computer memory as required by the second institution in order to create the at least one new account with the second institution;
closing corresponding old account with the first institution.
2 . The method of claim 1 , wherein the account data is retrieved through a direct application programming interface.
3 . The method of claim 1 , wherein the account data is retrieved from an aggregation provider.
4 . The method of claim 1 , further comprising matching a plurality of user specified anticipated accounts to a plurality of old accounts by comparing account data of the old accounts to attributes of the user specified accounts.
5 . The method of claim 4 , further comprising comparing the plurality of old accounts to the plurality of user specified anticipated accounts using a predetermined matching threshold.
6 . The method of claim 5 , further comprising retrieving additional old account data if the predetermined matching threshold is not satisfied and comparing old accounts to anticipated accounts using the predetermined matching threshold.
7 . The method of claim 6 , wherein the additional old account data comprises transaction data corresponding to each of the old accounts.
8 . The method of claim 7 , further comprising using a predetermined matching threshold for comparing individual transactions within the transaction data corresponding to each of the old accounts.
9 . The method of claim 8 , wherein the individual transactions within the transaction data are matched using string matching.
10 . The method of claim 8 , wherein the individual transactions within the transaction data are matched using fuzzy pattern matching.
11 . The method of claim 8 , wherein the individual transactions within the transaction data are matched using crowd sourcing.
12 . The method of claim 1 , further comprising outputting the populated form fields of the new accounts to a user for verification.
13 . The method of claim 1 , further comprising checking the populated form fields for accuracy.
14 . The method of claim 1 , further comprising selecting an optimal aggregation router dependent on the first institution and the old account data and attributes.
15 . A system for moving at least one account from one institution to another over a network of computers comprising computing hardware and software wherein the software comprises computer readable instructions that cause the computing hardware to:
receive a request from a user to move a plurality of accounts between a first institution and a second institution, wherein the request is stored in the computer memory;
retrieve old account data corresponding to the request from the first institution;
scrape field values from the old account data and storing said field values in computer memory;
populate form fields within a plurality of new accounts with field values retrieved from the computer memory as required by the second institution in order to create the new accounts with the second institution;
close old accounts with the first institution.
16 . The system of claim 15 , wherein the account data is retrieved through a direct application programming interface.
17 . The system of claim 15 , wherein the account data is retrieved from an aggregation provider.
18 . The system of claim 17 , further comprising matching a plurality of user specified anticipated accounts to the old accounts by comparing account data of the old accounts to attributes of the user specified accounts.
19 . The system of claim 18 , further comprising comparing old accounts to anticipated accounts using a predetermined matching threshold.
20 . The system of claim 19 , further comprising retrieving additional old account data if the predetermined matching threshold is not satisfied and comparing old accounts to anticipated accounts using the predetermined matching threshold.
21 . The system of claim 20 , wherein the additional old account data comprises transaction data corresponding to each of the old accounts.
22 . The system of claim 21 , further comprising using a predetermined matching threshold for comparing individual transactions within the transaction data corresponding to each of the old accounts.
23 . The system of claim 22 , wherein the individual transactions within the transaction data are matched using string matching.
24 . The system of claim 22 , wherein the individual transactions within the transaction data are matched using fuzzy pattern matching.
25 . The system of claim 22 , wherein the individual transactions within the transaction data are matched using crowd sourcing.
26 . The system of claim 15 , further comprising outputting the populated form fields of the new accounts to a user for verification.
27 . The system of claim 15 , further comprising checking the populated form fields for accuracy.
28 . The system of claim 15 , further comprising selecting an optimal aggregation router dependent on the first institution and the old account data and attributes.