Patent ID: 9576318
Date: 2017-02-21
CPC Classifications: G06F,G06Q,H04L

Claim:
1. A method, comprising: receiving, by a third-party outsource provider server, a request via a computer network from a user for electronically migrating current automatic electronic financial services comprising automatic payments from a first financial institution's servers to a second financial institution's servers, wherein the request comprises an authorization for aggregating account data of the user; electronically scraping account data of the user, by the outsource provider server, from a website user interface of a first financial institution's servers, the account data being in a human-displayable format, rebuilding the account data into a computer-readable standard data exchange API format, and storing the rebuilt account data in a computer memory of the outsource provider server as aggregated account data; detecting, by the outsource provider server, recurring payments from the aggregated account data of the user, wherein the recurring payments comprise both the automatic payments currently being made by the first financial institution and other payments that are not currently being made as automatic payments by the first financial institution; electronically scraping, by the outsource provider server, payment information from the aggregated account data for each of the recurring payments and storing the payment information in the computer memory of the outsource provider server; electronically scraping, by the outsource provider server, payee information from the aggregated account data for each of the recurring payments and storing the payee information in the computer memory of the outsource provider server; retrieving, by the outsource provider server, one or more electronic automatic payment forms directly from the second financial institution's servers; automatically populating, by the outsource provider server, the one or more retrieved electronic automatic payment forms with the payee and payment information stored in the computer memory of the outsource provider server for each of the recurring payments and storing the one or more populated electronic automatic payment forms in the computer memory of the outsource provider server; sending, by the outsource provider server, the one or more populated electronic automatic payment forms directly back to the second financial institution's servers over the computer network, thereby creating for the user a new automatic payment for each of the recurring payments at the second financial institution's servers; and sending, by the outsource provider server, instructions directly to the first financial institution's server to cancel the automatic payments currently being made by the first financial institution.