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ACCOUNT HOLDER DEMAND ACCOUNT UPDATE

  • US 20100036769A1
  • Filed: 08/05/2008
  • Published: 02/11/2010
  • Est. Priority Date: 08/05/2008
  • Status: Active Grant
First Claim
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1. In a payment processing system with issuers issuing accounts to account holders, each said account having one or more attributes, and the account holders conducting transactions with one or more merchants using their accounts, a method comprising:

  • receiving account holder identification from the account holder;

    accessing, using the received identification, one or more account databases to retrieve one or more of the account holder'"'"'s accounts and attributes of each said account;

    displaying a user interface having a user selectable account list populated with the retrieved one or more of the account holder'"'"'s accounts;

    receiving a selection of one of the account holder'"'"'s accounts from the user interface;

    accessing, using the selected account, one or more transaction databases to retrieve a list of transactions conducted on the selected account;

    accessing, using the retrieved list of transactions, one or more merchant databases to retrieve a list of merchants corresponding to the retrieved list of transactions;

    displaying a user interface having;

    a user selectable merchant list populated by the retrieved list of merchants; and

    a user editable field for each of the attributes of the selected account;

    receiving, for each merchant in the retrieved list of merchants, for each of the one or more of the attributes of the selected account, an indicator from the user interface whether to send an update of the attribute to the merchant; and

    forming, for each said received indicator from the user interface, a transmission containing information that includes the corresponding said update of the attribute, wherein the information is for delivery to the corresponding said merchant.

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