US Patent No. 10,460,298

DETECTING AND CORRECTING ACCOUNT SWAP IN BANK FEED AGGREGATION SYSTEM


Patent No. 10,460,298
Issue Date October 29, 2019
Title Detecting And Correcting Account Swap In Bank Feed Aggregation System
Inventorship Alexander S. Ran, Palo Alto, CA (US)
Christopher Lesner, Palo Alto, CA (US)
Assignee Intuit Inc., Mountain View, CA (US)

Claim of US Patent No. 10,460,298

1. A computing system implemented method for detecting and addressing accounts swaps in a financial management system, the method comprising:obtaining financial transaction data including first financial account data and second financial account data, the first financial account data including financial transactions associated with a first financial account, the second financial account data including financial transactions associated with the second financial account;
generating, using first account financial transactions of the first account, first account distribution data including types of first account financial transactions, a frequency of first account financial transactions, parties to the first account financial transactions, amounts of money associated with the first account financial transactions and geographic areas where first account financial transactions have taken place;
generating, using second account financial transactions of the second account, second account distribution data including types of second account financial transactions, a frequency of second account financial transactions, parties to the second account financial transactions, amounts of money associated with the second account financial transactions and geographic areas where second account financial transactions have taken place;
identifying a first change point in the first financial transaction data corresponding to a change in one or more of the types of first account financial transactions, the frequency of first account financial transactions, the parties to the first account financial transactions, the amounts of money associated with the first account financial transactions and geographic areas where first account financial transactions have taken place;
identifying a second change point in the second financial transaction data corresponding to a change in one or more of the types of second account financial transactions, the frequency of second account financial transactions, the parties to the second account financial transactions, the amounts of money associated with the second account financial transactions and the geographic areas where second account financial transactions have taken place;
determining whether the first change point occurred at the same time as the time of the second change point;
generating, upon a determination that the first change point occurred at the same time as the time of the second change point, adjusted financial transaction data by swapping between the first and second financial accounts financial transactions that occurred after the first and second change points;
determining, after generating the adjusted financial transaction data, whether the first and second change points no longer exist; and
adjusting, upon a determination that the first and second change points no longer exist, one or more data collection scripts to properly assign future financial transactions to the first and second financial accounts.