Card registry systems and methods

• US 8,464,939 B1
• Filed: 03/05/2012
• Issued: 06/18/2013
• Est. Priority Date: 12/14/2007
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Taylor, Ty, Balducci, Michael R., Miranda, Arlene E., Gelgand, Laura
• Primary Examiner(s): Hess, Daniel
• Assistant Examiner(s): TARDIF, DAVID P
• Application Number:
  US13/411,914
• Time in Patent Office: 470 Days
• Field of Search: 235/380
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A card registry system is configured to automatically identify financial card information in one or more credit files associated with a consumer and populate a card registry account of the consumer with the identified financial card information. Once the financial card information has been obtained from the credit file(s), the card registry system may transmit cancellation and/or reissuance requests to the respective card issuers in the instance that one or more cards are compromised, so that the financial cards may be easily and efficiently cancelled and/or reissued at the request of the consumer.

Claims

1. A method comprising:

accessing personal information of a consumer;

storing the personal information of the consumer in one or more storage devices;

transmitting to a credit bureau a credit file request including at least some of the personal information;

receiving a credit file of the consumer, the credit file comprising information regarding one or more credit cards issued to the consumer;

identifying first information in the credit file associated with a first credit card and second information in the credit file associated with a second credit card, wherein the first information comprises at least a first account number and a first issuer associated with the first credit card and the second information comprises at least a second account number and a second issuer associated with the second credit card;

storing the first information and the second information;

transmitting to a computing device of the consumer a user interface indicating at least some of the first information and the second information;

receiving selections from the consumer via the user interface indicating one or more of the first credit card and the second credit card that the consumer would like to cancel;

receiving selections from the consumer via the user interface indicating one or more of the first credit card and the second credit card that the consumer would like to have reissued;

in response to the consumer selecting the first credit card for cancellation, accessing the stored information for the first credit card and transmitting a first cancellation request including the first account number to the first issuer;

in response to the consumer selecting the second credit card for cancellation, accessing the stored information for the second credit card and transmitting a second cancellation request including the second account number to the second issuer;

in response to the consumer selecting the first credit card for reissuance, transmitting a first reissuance request to the first issuer;

in response to the consumer selecting the second credit card for reissuance, transmitting a second reissuance request to the second issuer; and

transmitting a notification to a computing device of the consumer indicating a status of any of the requests transmitted to the first issuer or the second issuer.

2. A computerized method comprising:

determining, by a computing system having one or more computer processors, respective credit card information for each of a plurality of credit cards issued to a consumer;

transmitting a user interface with the respective credit card information for at least some of the plurality of credit cards, the user interface including controls configured to receive indications of particular credit cards to one or more of cancel and reissue;

receiving input from the consumer via the user interface to cancel and reissue a first credit card of the plurality of credit cards;

initiating, by the computing system, cancellation and reissuance of the first credit card;

receiving input from the consumer via the user interface to cancel and not reissue a second credit card of the plurality of credit cards; and

initiating, by the computing system, cancellation, without initiating reissuance, of the second credit card.

3. The computerized method of claim 2, further comprising:

accessing credit data of the consumer to determine credit card information for one or more of the plurality of credit cards issued to the consumer.

4. The computerized method of claim 3, wherein the credit data comprises a credit report of the consumer.

5. The computerized method of claim 2, wherein the credit card information of the first credit card comprises at least one of a file transfer protocol address, an internet protocol address, and an email address associated with a first issuer of the first credit card.

6. The computerized method of claim 5, wherein the cancellation is performed using at least one of the file transfer protocol address, the internet protocol address, or the email address associated with the first issuer.

7. The computerized method of claim 2, further comprising communicating, by the computing system, a second user interface indicating a status of cancellation and reissuance of the first credit card and the second credit card, and a status of reissuance of the first credit card.

8. A computer system for identifying financial cards associated with a consumer and initiating cancelation of selected financial cards, the system comprising:

an account detection module configured to access a credit file of a consumer and to identify financial card information in the credit file associated with a financial card of the consumer, wherein the financial card information comprises at least a financial card account number and a financial card issuer;

an account monitoring module configured to periodically access an updated credit file of the consumer to identify modifications to the financial card information; and

an account cancellation module configured to provide to the consumer a first option to cancel and reissue the financial card and a second option to cancel and not reissue the financial card, the account cancellation module further configured to

initiate, in response to selection of the first option by the consumer, cancellation of the financial card using the identified financial card account number and the identified financial card issuer and initiate reissuance of the financial card,

initiate, in response to selection of the second option by the consumer, cancellation of the financial card using the identified financial card account number and the identified financial card issuer and not initiate reissuance of the financial card.

9. The computer system of claim 8 further comprising:

a reimbursement module configured to determine at least some unauthorized transactions charged to the financial card account number and to reimburse the consumer for the unauthorized transactions.

10. The computer system of claim 8, wherein the account cancellation module is configured to transmit an electronic communication to the financial card issuer with cancellation instructions that are sufficient to initiate cancellation of the financial card by the financial card issuer.

11. The computer system of claim 8, wherein the account cancellation module is configured to transmit an electronic communication to the financial card issuer with reissuance instructions that are sufficient to initiate reissuance of the financial card by the financial card issuer.

12. The computer system of claim 8, wherein the account detection module is configured to generate a user interface for display to a human account representative, the user interface including the financial card information, wherein the user interface is usable by the human account representative to initiate cancellation of the financial card.

13. The computer system of claim 8, wherein the account detection module is configured to generate a user interface for display to the consumer, wherein the computer system transmits the user interface to a consumer computing device via one or more electronic communication networks.

14. The computer system of claim 8, wherein the financial card comprises a credit card, a debit card, a retail store loyalty card, or an automated teller machine card.

15. A computerized method comprising:

determining, by a computing system having one or more computer processors, respective credit card information for each of a plurality of credit cards issued to a consumer;

providing to the computing system a user interface including a first one or more controls configured to receive input from the consumer indicating a request to cancel and reissue respective credit cards of the plurality of credit cards and a second one or more controls configured to receive input from the consumer indicating a request to cancel and not reissue respective credit cards of the plurality of credit cards;

receiving, by the computing system, input via the user interface from the consumer to cancel and not reissue at least one credit card of the plurality of credit cards;

initiating, by the computing system, cancellation of the at least one credit card without initiating reissuance of the at least one of credit card.

16. The computerized method of claim 15, further comprising:

receiving, by the computing system, input from the consumer about a reissue decision for the at least one credit card.

17. The computerized method of claim 16 further comprising:

initiating, by the computing system, reissuance of the first credit card.

18. The computerized method of claim 15, further comprising:

transmitting a second user interface indicating a status of a cancellation request of the at least one credit card to a computing device of the consumer.