Patent ID: 11948139
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive, from a point of sale (POS) device associated with a merchant, financial information associated with a first user and a request for a plurality of account terms associated with a plurality of account providers;
retrieve, from a database and based on the financial information and the request, the plurality of account terms associated with the plurality of account providers;
calculate a score for each account provider of the plurality of account providers, the score based on at least the financial information;
determine a first account provider of the plurality of account providers with a highest score;
automatically cause the POS device to (i) display, via a graphical user interface (GUI), the plurality of account providers, the plurality of account terms associated with the plurality of account providers, and a first status indicator proximate the first account provider, the first status indicator based on the highest score associated with the first account provider and (ii) remove a default status indicator proximate a default account provider of the plurality of account providers displayed by the POS device; and
receive, from the POS device, an indication that the first user accepts the first account provider for completing a transaction.