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

Claim 13:
14. One or more non-transitory computer-readable media storing computer program instructions that, when executed by one or more processors, effectuate operations comprising: generating a set of transaction entries to be switched from a first account to a second account, wherein each of the transaction entries included in the set 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 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 set of transaction entries and the switch recommendation; performing respective switches of the transaction entries included in the set according to instructions received from the client device in connection with the graphical user interface; 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.