Patent ID: 11893631
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system, comprising: memory storing computer program instructions; and one or more processors that, when executing the computer program instructions, effectuate operations comprising: generating a list of transaction entries to be switched from a first account to a second account, wherein each of the transaction entries included in the list is associated with a future occurrence that is within a threshold amount of time from a current point in time; determining a switch recommendation that includes, for each of the transaction entries, a switch time for switching a respective transaction entry from the first account to the second account, wherein the switch time for each transaction entry is determined based on a projected balance of the second account and the future occurrence of the transaction entry; transmitting, to a client device, instructions to generate a graphical user interface, the graphical user interface being configured to display the list of transaction entries and the switch recommendation; performing, based the switch times, respective switches of the transaction entries included in the list; determining that a projected balance of the second account is insufficient for the respective switches of the transaction entries; identifying a balance amount in the first account for transfer to the second account in connection with the respective switches of the transaction entries; and causing the balance amount to be transferred from the first account to the second account.