ACCOUNT HOLDER DEMAND ACCOUNT UPDATE
First Claim
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.
1 Assignment
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Accused Products
Abstract
Account holder identification is used to access and retrieve the account holder'"'"'s accounts and attributes thereof. A user interface receives a selected account for which merchants having conducted transactions on the selected account are retrieved and displayed on the user interface. The account holder selects which merchants are to receive updated attributes of the selected account, such as a new expiration, a new billing address, a new credit limit, a name change of the account holder, etc. Each user selected merchant is notified of the user selected attributes of the user selected account
328 Citations
22 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. 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 merchants using their accounts, a method comprising:
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receiving a transmission comprising account holder identification and one or more account attributes; accessing, using the received account holder identification, one or more transaction databases to retrieve a list of transactions using one or more of the account attributes, wherein each said transaction was conducted on the account corresponding to the one or more account attributes; accessing one or more merchant databases to retrieve a list of merchants using the list of transactions; displaying a user interface having; a user selectable merchant list populated by the list of merchants; and a user editable field for each of the account attributes for providing updated attribute information; receiving from the user interface one or more selected merchants and updated attribute information; forming a transmission to send updated attribute information to account holder'"'"'s issuer; receiving a transmission from account holder'"'"'s issuer approving or denying the updated attribute information to the account holder'"'"'s account; where the issuer approved of the updated attribute information to the account holder'"'"'s account, forming a transmission containing the updated attribute information for delivery to each selected merchant in the received list of merchants. - View Dependent Claims (10, 11, 12, 13)
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14. In a payment processing environment in which issuers issue accounts to account holders, each said account having one or more attributes, and the account holders conduct transactions with one or more merchants using their accounts, a system comprising:
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means for receiving account holder identification from the account holder; means for 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; means for displaying a user interface having a user selectable account list populated with the retrieved one or more of the account holder'"'"'s accounts; means for receiving a selection of one of the account holder'"'"'s accounts from the user interface; means for accessing, using the selected account, one or more transaction databases to retrieve a list of transactions each being conducted on the selected account; means for 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; means for 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; means for 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 means for 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. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21)
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22. A system comprising:
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means, using a user interface to receive an account holder identification, for accessing and retrieving the account holder'"'"'s accounts and attributes thereof; means, using a user interface to receive a user selected account of the retrieved account holder'"'"'s accounts displayed on the user interface, for retrieving one or more merchants having conducted transactions on the user selected account; and means, using a user interface to receive a user selection of one or more; said merchants displayed on the user interface; and said attributes of the user selected account displayed on the user interface, for forming one or more transmissions containing the user selected attributes of the user selected account for delivery to the user selected merchants.
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Specification