Card management system and method
First Claim
1. A method of registering a card user'"'"'s card information with a card management organization, the method comprising the steps of:
- a card management organization'"'"'s computer requesting a card user'"'"'s credit report from a credit reporting bureau;
a card management organization'"'"'s computer receiving the card user'"'"'s credit report having real-time card information for one or more of the user'"'"'s cards from the credit reporting bureau;
the card management organization'"'"'s computer extracting the real-time card information for each card from the card user'"'"'s credit report;
the card management organization'"'"'s computer automatically marking selected credit card type trade lines from the real-time card information as potential cards to be automatically registered in the card management organization'"'"'s computer;
the card management organization'"'"'s computer automatically and in real-time fully or partially registering the potential cards;
the card management organization'"'"'s computer generating and presenting a user interface having the real-time card information for each of the potential cards that were fully or partially registered after receiving the card user'"'"'s credit report;
the card management organization'"'"'s computer requesting the card user to verify the accuracy of the card user'"'"'s real-time card information; and
the card management organization'"'"'s computer storing the card user'"'"'s verified real-time card information in the card management organization'"'"'s computer when verification of the accuracy of the card user'"'"'s real time card information is received from the card user.
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.
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Citations
8 Claims
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1. A method of registering a card user'"'"'s card information with a card management organization, the method comprising the steps of:
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a card management organization'"'"'s computer requesting a card user'"'"'s credit report from a credit reporting bureau; a card management organization'"'"'s computer receiving the card user'"'"'s credit report having real-time card information for one or more of the user'"'"'s cards from the credit reporting bureau; the card management organization'"'"'s computer extracting the real-time card information for each card from the card user'"'"'s credit report; the card management organization'"'"'s computer automatically marking selected credit card type trade lines from the real-time card information as potential cards to be automatically registered in the card management organization'"'"'s computer; the card management organization'"'"'s computer automatically and in real-time fully or partially registering the potential cards; the card management organization'"'"'s computer generating and presenting a user interface having the real-time card information for each of the potential cards that were fully or partially registered after receiving the card user'"'"'s credit report; the card management organization'"'"'s computer requesting the card user to verify the accuracy of the card user'"'"'s real-time card information; and the card management organization'"'"'s computer storing the card user'"'"'s verified real-time card information in the card management organization'"'"'s computer when verification of the accuracy of the card user'"'"'s real time card information is received from the card user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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Specification