Patents
US 10325311 B2: Systems and computer-implemented processes for analyzing and determining the value of switching accounts
- Granted
- 2019-06-18
- Filed
- 2013-08-19 application 13969891
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account. The processor may be configured to parse the collected account information into one or more categories and analyze the categorized account information to determine a value to the customer for switching from the existing account to the new account. The processor may also provide a representation of the value to the client computer.
Source: PVGPATDIS, file of 2026-04-10 (ipg190618.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Capital One Financial Corporation 141 patents | US company or organization | McLean, VA | CAPITAL ONE FINANCIAL CORP SEC filer FUZZY low confidence: same name (legal endings aside), one of each nationally | PVGPATDIS, file of 2026-04-10 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Scott Zimmer | Charlotte, NC | 10 | PVGPATDIS, file of 2026-04-10 | |
| Gagan Kanjlia | Ashburn, VA | 22 | PVGPATDIS, file of 2026-04-10 | |
| Vishal Puri | Ashburn, VA | 19 | PVGPATDIS, file of 2026-04-10 | |
| Michael B. Kiernan | Fairfax, VA | 8 | PVGPATDIS, file of 2026-04-10 | |
| Matthew H. Purdin | Arlington, VA | 3 | PVGPATDIS, file of 2026-04-10 | |
| Rabin Bhattacharya | Kensington, MD | 12 | PVGPATDIS, file of 2026-04-10 | |
| Jay F. Pober | Cherry Hill, NJ | 9 | PVGPATDIS, file of 2026-04-10 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q40/02 | PVGPATDIS, file of 2026-04-10 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2019-06-19 | Assignment Assignment of assignor's interest | CAPITAL ONE FINANCIAL CORPORATION signed 2014-11-18 | CAPITAL ONE SERVICES, LLC MCLEAN, VA | 49529/133 | ECORSEXC, file of 2026-09-25 |
| 2014-07-16 | Assignment Assignment of assignor's interest | POBER, JAY F. signed 2014-07-14 | CAPITAL ONE FINANCIAL CORPORATION MCLEAN, VA | 33322/727 | ECORSEXC, file of 2026-09-25 |
| 2013-08-19 | Assignment Assignment of assignor's interest | ZIMMER, SCOTT L. signed 2013-08-15 BHATTACHARYA, RABIN signed 2013-08-16 KANJLIA, GAGAN signed 2013-08-16 PURI, VISHAL signed 2013-08-16 KIERNAN, MICHAEL B. signed 2013-08-19 PURDIN, MATTHEW H. signed 2013-08-19 | CAPITAL ONE FINANCIAL CORPORATION MCLEAN, VA | 31037/132 | ECORSEXC, file of 2026-09-25 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.