CARD MANAGEMENT SYSTEM AND METHOD
1 Assignment
0 Petitions
Accused Products
Abstract
A method of registering a credit card user'"'"'s credit card information by a credit card management organization. A card user accesses the card management computer system in a computer network. The method provides a user interface whereby the user grants authorization to the card management organization to obtain the card user'"'"'s credit report from a credit reporting bureau. The method further transmits a request for the user'"'"'s credit report to a credit reporting bureau and automatically downloads the user'"'"'s credit report when received. The method further parses the credit report to determine a card issuer for each card on the credit report using a database of card issuer aliases. The method then fully or partially automatically registers each card with the user'"'"'s account in the card management association and then presents the opportunity to the user to review and edit each card.
202 Citations
21 Claims
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1-8. -8. (canceled)
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9. A computer program product in a computer-readable medium having machine-coded instructions thereon such that when loaded the machine-coded instructions cause a processing device to:
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receive the card user'"'"'s credit report having real-time card information of the user'"'"'s cards from the credit reporting bureau; extract real-time card information for a card from the card user'"'"'s credit report; fully or partially register real-time card information for the card from the card user'"'"'s credit report within minutes of receiving the card user'"'"'s credit report; and request the card user to verify the accuracy of the card user'"'"'s real-time card information. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A system for on-line card management, the system comprising:
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a card management organization server that; receives the card user'"'"'s credit report from the credit reporting bureau, the credit report having real-time card information of the user'"'"'s cards, extracts real-time card information for a card from the card user'"'"'s credit report, fully or partially registers real-time card information for the card from the card user'"'"'s credit report within minutes of receiving the card user'"'"'s credit report, and requests the card user to verify the accuracy of the card user'"'"'s real-time card information; a database coupled to the card management organization server that stores the card user'"'"'s verified real-time card information. - View Dependent Claims (17, 18, 19, 20, 21)
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Specification