Patent ID: 11875015
Assignee: TRUIST BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system comprising:
an access card of a user, the access card being associated with an account of the user with a service provider; and
a client device of the user, the client device including:
one or more processors; and
a memory including program code for a mobile application that is executable by the one or more processors for causing the one or more processors to:
provide a graphical user interface through which the user can input a rule for how a transaction facilitated using the access card is to be handled by the service provider, the graphical user interface being configured to enable the user to select between having the transaction handled using (i) the account of the user or (ii) a service offered to the user by the service provider separately from the account, wherein the graphical user interface is configured to enable the user to provide a threshold as part of the rule, and wherein a computer system is configured to:
use the account or the service to perform a first type of transaction, in response to determining that the first type of transaction has a first parameter value that exceeds the threshold; and
use the other of the account or the service to perform a second type of transaction, in response to determining that the second type of transaction has a second parameter value that is below the threshold;

receive, through the graphical user interface, the input from the user indicating the rule, wherein the rule dictates whether the transaction is to be handled using the account or the service; and
in response to receiving the input, transmit one or more commands to the computer system associated with the service provider, the computer system being configured to receive the one or more commands and implement the rule selected by the user of the access card.