Granted Patent B1

US 10,552,637 · App. 16/521,807 · Granted Feb 4, 2020

Inventors: Jeremy Phillips (Brooklyn, NY); Zachary Podbela (Muttontown, NY)

Assignee: Capital One Services, LLC

G06F21/6254G06F16/9035G06F16/90335G06F21/602G06Q40/06

Abstract

Claims (87)

1. A computer-implemented method comprising:

offering, by a first computing device, an overlay service to a first user;

receiving, by the first computing device from the first user, a response to the overlay service offer indicating that the first user wishes to participate in the overlay service;

obtaining, by the first computing device from a first database, a first feature set related to a first account of the first user, wherein the first feature set comprises a ranking of features based on account information, account settings, and user-defined settings;

generating, by the first computing device, a first token for the first user based on the first feature set, wherein personally identifiable information is removed from the first token;

obtaining, by the first computing device, account features of a second account from a third party;

generating, by the first computing device, a second token for the account features of the second account;

comparing, by the first computing device, the first token to the second token to determine whether the account features of the second account match the first feature set;

selecting, by the first computing device, the second account for the first user as part of the overlay service in response to the determination that the account features of the second account match the first feature set;

transmitting, by the first computing device to the third party over a secure channel, a request to open the second account, wherein the request comprises personally identifiable information, account information, and account settings;

receiving, by the first computing device from the third party, confirmation that the second account was opened on behalf of the first user; and

causing, by the first computing device, account information from the second account to be displayed via an interface provided to the first user.

2. The computer-implemented method of claim 1 , wherein the offer is made via an interface, email, text message, or promotional material.

3. The computer-implemented method of claim 1 , wherein account information is obtained from a first server and comprises a username, password, personal information, and one or more features associated with the first account.

4. The computer-implemented method of claim 1 , wherein account settings are obtained from a first server and comprise a first name, a last name, a social security number, contact information, a background check, bill pay information, direct deposit information, and overdraft protection.

5. The computer-implemented method of claim 1 , wherein user-defined settings are obtained via an interface and comprise reward programs, incentive programs, and preferred interest rates.

6. The computer-implemented method of claim 1 , wherein user-defined settings are obtained using one or more sensors and comprise location information of the first user.

7. The computer-implemented method of claim 1 , wherein ranking the features comprises:

analyzing one or more features associated with the first account to determine which of the one or more features the first user uses and how frequently each of the one or more features is used, and

assigning a score to each of the one or more features based on which of the one or more features the first user uses and how frequently each of the one or more features is used; and

ranking each of the one or more features based on their assigned scores.

8. The computer-implemented method of claim 1 , wherein ranking the features comprises:

receiving, from the first user, an indication of one or more features that are important to the first user;

comparing the indication of the one or more features received from the first user to a record of the one or more features the first user actually uses; and

assigning a score to each of the one or more features based on the indication received from the first user and the record of the one or more features the user actually uses; and

ranking each of the one or more features based on their assigned scores.

9. The computer-implemented method of claim 1 , wherein removing personally identifiable information from the first token comprises:

analyzing information contained in the first token to identify personally identifiable information; and

obfuscating the identified personally identifiable information contained in the first token.

10. The computer-implemented method of claim 1 , wherein removing personally identifiable information from the first token comprises:

analyzing information contained in the first token to identify personally identifiable information; and

deleting the identified personally identifiable information contained in the first token.

11. The computer-implemented method of claim 1 , wherein the account features of the second account are obtained from the third party via a scraping algorithm.

12. The computer-implemented method of claim 1 , wherein obtaining the account features of the second account comprises:

receiving the account features from the third party as part of the overlay service.

13. The computer-implemented method of claim 1 , comprising:

generating, by the first computing device, a pseudorandom username and a pseudorandom password in response to the selection of the second account for the first user; and

transmitting, by the first computing device to the third party, the pseudorandom username and the pseudorandom password with the request to open the second account.

14. The computer-implemented method of claim 1 , comprising:

arranging a first partial payment from the first account via the interface; and

arranging a second partial payment from the second account via the interface.

15. A computing device comprising:

one or more processors; and

memory storing instructions that, when executed by the one or more processors, cause the one or more processors to:

offer an overlay service to a first user;

receive a response to the overlay service offer indicating that the first user wishes to participate in the overlay service;

obtain a first feature set related to a first account of the first user, wherein the first feature set comprises a ranking of features based on account information, account settings, and user-defined settings;

generate a first token for the first user based on the first feature set, wherein personally identifiable information is removed from the first token;

obtain account features of a second account from a third party as part of the overlay service;

generate a second token for the account features of the second account;

compare the first token to the second token to determine whether the account features of the second account match the first feature set;

select the second account for the first user as part of the overlay service in response to the determination that the account features of the second account match the first feature set;

generate a pseudorandom username and a pseudorandom password in response to the selection of the second account for the first user;

transmit, via a secure channel, a request to open the second account, wherein the request comprises the pseudorandom username, the pseudorandom password, personally identifiable information, account information, and account settings;

receive confirmation that the second account was opened on behalf of the first user; and

cause account information from the second account to be displayed via an interface provided to the first user.

16. The computing device of claim 15 , wherein the instructions cause the one or more processors to:

analyze one or more features associated with the first account to determine which of the one or more features the first user uses and how frequently each of the one or more features is used, and

assign a score to each of the one or more features based on which of the one or more features the first user uses and how frequently each of the one or more features is used; and

rank each of the one or more features based on their assigned scores.

17. The computing device of claim 15 , wherein the instructions cause the one or more processors to:

receive an indication of one or more features that are important to the first user;

compare the indication of the one or more features received from the first user to a record of the one or more features the first user actually uses; and

assign a score to each of the one or more features based on the indication received from the first user and the record of the one or more features the user actually uses; and

rank each of the one or more features based on their assigned scores.

18. One or more non-transitory media storing instructions that, when executed by one or more processors, cause the one or more processors to perform steps comprising:

offering an overlay service to a first user;

receiving a response to the overlay service offer indicating that the first user wishes to participate in the overlay service;

obtaining a first feature set related to a first account of the first user, wherein the first feature set comprises a ranking of features based on account information, account settings, and user-defined settings;

generating a first token for the first user based on the first feature set, wherein personally identifiable information is removed from the first token;

obtaining account features of a second account from a third party as part of the overlay service;

generating a second token for the account features of the second account;

comparing the first token to the second token to determine whether the account features of the second account match the first feature set;

selecting the second account for the first user as part of the overlay service in response to the determination that the account features of the second account match the first feature set;

generating a pseudorandom username and a pseudorandom password in response to the selection of the second account for the first user;

transmitting, via a secure channel, a request to open the second account, wherein the request comprises the pseudorandom username, the pseudorandom password, personally identifiable information, account information, and account settings;

receiving confirmation that the second account was opened on behalf of the first user; and

causing account information from the second account to be displayed via an interface provided to the first user.

19. The one or more non-transitory media of claim 18 , wherein the instructions cause the one or more processors to perform steps comprising:

analyzing one or more features associated with the first account to determine which of the one or more features the first user uses and how frequently each of the one or more features is used, and

assigning a score to each of the one or more features based on which of the one or more features the first user uses and how frequently each of the one or more features is used; and

ranking each of the one or more features based on their assigned scores.

20. The one or more non-transitory media of claim 18 , wherein the instructions cause the one or more processors to perform steps comprising:

receiving an indication of one or more features that are important to the first user;

comparing the indication of the one or more features received from the first user to a record of the one or more features the first user actually uses; and

assigning a score to each of the one or more features based on the indication received from the first user and the record of the one or more features the user actually uses; and

ranking each of the one or more features based on their assigned scores.

Assignments (1)

Cited By (9)

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