Method for linking accounts corresponding to different products together to create a group
First Claim
1. A method for linking two or more distinct financial records to create a group of financial records that facilitates group-level processing of the group of financial records while allowing individual processing of the distinct financial records, the method comprising:
- identifying a first financial record associated with a first product, wherein individual processing of the first financial record is at least partially controlled by a first individual processing control (“
IPC”
) implemented by a computer;
identifying a second financial record associated with a second product, wherein individual processing of the second financial record is at least partially controlled by a second IPC implemented by the computer;
creating a first master record, wherein the first master record is used by the computer to associate the first financial record and the second financial record;
defining a first group processing control (“
GPC”
), wherein the first GPC is used by the computer in conjunction with at least one of the IPCs to provide said group-level processing;
defining a first relationship control, wherein the first relationship control at least partially controls an interaction between the second financial record and the first master record;
identifying a third financial record associated with a third product, wherein individual processing of the third financial record is at least partially controlled by a third IPC implemented by the computer;
identifying a fourth financial record associated with a fourth product, wherein individual processing of the fourth financial record is at least partially controlled by a fourth IPC implemented by the computer;
creating a second master record, wherein the second master record is used by the computer to associate the third financial record and the fourth financial record;
defining a second relationship control, wherein the second relationship control at least partially controls an interaction between the third financial record and the second master record;
wherein a first set of parameters defining a relationship between the first financial record and the first master record is distinct from a second set of parameters defining a relationship between the third financial record and the second master record.
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Accused Products
Abstract
Linking accounts corresponding to different products together to create a group so that group processing can be performed at the group level while independent processing of the accounts is performed at the account level. The method links the accounts into a group by linking a financial record for each account to group master data for the group. The group master data includes information about the group, including group parameters and a group identifier. A group typically includes a key account and one or more dependent accounts. The relationship between a dependent account and the group is specified by a dependent strategy. A dependent strategy specifies group level processing options for the account. The relationships between the accounts and the group are flexible to accommodate changes in the status of the group cardholders.
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Citations
18 Claims
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1. A method for linking two or more distinct financial records to create a group of financial records that facilitates group-level processing of the group of financial records while allowing individual processing of the distinct financial records, the method comprising:
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identifying a first financial record associated with a first product, wherein individual processing of the first financial record is at least partially controlled by a first individual processing control (“
IPC”
) implemented by a computer;identifying a second financial record associated with a second product, wherein individual processing of the second financial record is at least partially controlled by a second IPC implemented by the computer; creating a first master record, wherein the first master record is used by the computer to associate the first financial record and the second financial record; defining a first group processing control (“
GPC”
), wherein the first GPC is used by the computer in conjunction with at least one of the IPCs to provide said group-level processing;defining a first relationship control, wherein the first relationship control at least partially controls an interaction between the second financial record and the first master record; identifying a third financial record associated with a third product, wherein individual processing of the third financial record is at least partially controlled by a third IPC implemented by the computer; identifying a fourth financial record associated with a fourth product, wherein individual processing of the fourth financial record is at least partially controlled by a fourth IPC implemented by the computer; creating a second master record, wherein the second master record is used by the computer to associate the third financial record and the fourth financial record; defining a second relationship control, wherein the second relationship control at least partially controls an interaction between the third financial record and the second master record; wherein a first set of parameters defining a relationship between the first financial record and the first master record is distinct from a second set of parameters defining a relationship between the third financial record and the second master record. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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Specification