Patent ID: 11875399
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A computing device for maintaining parallel data structures for transaction data, comprising:
one or more memory devices storing software instructions; and
at least one processor configured to execute the software instructions to perform operations comprising:
generating a first data structure in an electronic database, the first data structure comprising first data relating to a first plurality of transactions associated with a first interest rate;
providing, to a user device, a plurality of potential transactions for display in a user interface at the user device;
receiving, via the user device, a selected transaction from the plurality of potential transactions;
receiving an indication of a completion of the selected transaction;
automatically generating a second data structure in the electronic database in parallel to the first data structure, in response to the completion of the selected transaction, the second data structure different and separate from the first data structure, the second data structure being associated with a finance charge different from the first interest rate;
maintaining the first data structure and the second data structure in parallel, the second data structure comprising the selected transaction;
determining that the finance charge expired; and
ceasing to separately maintain the first data structure and the second data structure by merging an amount associated with the second transaction into the first data structure.