Card registry systems and methods

• US 9,542,682 B1
• Filed: 01/04/2016
• Issued: 01/10/2017
• 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): Lee, Michael G
• Assistant Examiner(s): TARDIF, DAVID P
• Application Number:
  US14/987,463
• Time in Patent Office: 372 Days
• Field of Search: 235/380
• US Class Current: 1/1
• 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 computerized method comprising:

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

transmitting a user interface with respective card information for at least some of the plurality of cards, the user interface comprising controls configured to receive inputs of consumer actions on one or more cards;

receiving input from the consumer via the user interface, the input comprising instructions to cancel and reissue a first group of cards of the plurality of cards and to cancel but not reissue a second group of cards of the plurality of cards;

initiating cancellation and reissuance on the first group of cards; and

initiating cancellation but not reissuance on the second group of cards.

2. The method of claim 1, wherein each of the plurality of cards comprises one or more of:

a credit card or a debit card.

3. The method of claim 1, wherein said determining comprises at least one of:

identifying one or more credit cards of the plurality of cards from credit data of the consumer;

identifying one or more debit cards of the plurality of cards based on consumer information from a debit reporting service;

or

identifying one or more cards of the plurality of cards based on information received from the consumer.

4. A computing system comprising:

one or more hardware computing devices configured to execute instructions, wherein the instructions when executed cause the computing system to;

determine respective card information for each of a plurality of cards;

provide a first user interface for managing the plurality of cards, wherein the user interface comprises one or more controls configured to receive input from the consumer indicating a request to cancel one or more of the plurality of cards;

receive input from the consumer selecting one or more cards of the plurality of cards;

generate a second user interface comprising, for each of the selected one or more cards, a first selectable option to cancel card and a second selectable option to reissue card;

in response to selection of first cancel card and first reissue card selectable options associated with a first card of the selected one or more cards, initiate cancellation and reissuance of the first card; and

in response to selection of second cancel card and second reissue card selectable option associated with a second card of the selected one or more cards, initiate cancellation but not reissuance of the second card.

5. The computing system of claim 4, wherein the first user interface indicates cancellation of each of the plurality of cards.

6. The computing system of claim 5, wherein the one or more controls of the first user interface are configured to allow the consumer to unselect a subset of the plurality of cards.

7. The computing system of claim 4, wherein said determine comprises one or more of:

identifying one or more credit cards of the plurality of cards from credit data of the consumer;

identifying one or more debit cards of the plurality of cards based on consumer information from a debit reporting service;

or

identifying one or more cards of the plurality of cards based on information received from the consumer.