Patent ID: 11869069
Assignee: MX TECHNOLOGIES, INC.
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 8:
9. An apparatus comprising:
a display for electronically presenting to a user one or more selectable access controls for defining permissions for one of allowing and restricting a device access to aggregated transaction data for the user; and
a trusted hardware device authorized by the user via the one or more selectable access controls to use a plurality of previously stored electronic credentials for the user, the trusted hardware device configured to:
access one or more service providers on behalf of the user, using one or more of the plurality of the previously stored electronic credentials of the user, to aggregate transactions of the one or more service providers from one or more servers to the trusted hardware device having permissions to access transactions of the one or more service providers based on a setting of the one or more selectable access controls associated with the trusted hardware device, the one or more service providers comprising a first service provider;
identify one or more of the aggregated transactions associated with both the first service provider and with a second service provider for which the trusted hardware device has not yet received electronic credentials for the user, the second service provider not within the one or more service providers;
identify one or more attributes for each of the one or more transactions aggregated from the first service provider between the account of the user with the first service provider and the account of the user with the second service provider;
determine whether the transactions between the account of the user with the first service provider and the account of the user with the second service provider are repeating transactions that have a number of predefined attributes in common that satisfy a threshold number of similarities, the predefined attributes in common comprising at least one of a transaction amount and a transaction date;
check the transactions of the one or more service providers to determine whether transactions for the second service provider are being aggregated to the trusted hardware device;
in response to determining that the transactions are repeated transactions satisfying the threshold number of similarities and that transactions for the second service provider are not being aggregated to the trusted hardware device, prompt the user for second electronic credentials for the user for the second service provider;
aggregate transactions of the second service provider, using the second electronic credentials for the user for the second service provider;
electronically display to the user, within a single graphical user interface, the aggregated transactions of the first service provider and the aggregated transactions of the second service provider;
electronically display to the user an interface for prompting the user to migrate the account of the user at the second service provider associated with the repeating transactions with the account of the user at the first service provider to the first service provider;
migrate the account of the user at the second service provider associated with the repeating transactions with the account of the user at the first service provider to the first service provider in response to receiving confirmation from the user to migrate the account of the user at the second service provider; and
re-prompt the user in response to verifying that one or more subsequent repeating transactions have not remained migrated to the first service provider, to migrate the account of the user at the second service provider associated with the repeating transactions to the first service provider.