Card registry systems and methods

• US 9,767,513 B1
• Filed: 12/28/2016
• Issued: 09/19/2017
• 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:
  US15/393,110
• Time in Patent Office: 265 Days
• Field of Search: 235380
• 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:

providing, by a computing system having one or more computer processors, an enrollment user interface to a user computing device, the enrollment user interface configured to receive information from a user regarding a plurality of financial accounts;

accessing, based on the enrollment user interface, information regarding each of the plurality of financial accounts;

transmitting a user interface with the information regarding each of the plurality of financial accounts;

receiving input from the user via the user interface, the input indicating two or more of the plurality of financial accounts; and

for each of the two or more of the plurality of financial accounts;

determining a contact address of an entity originating the financial account;

electronically transmitting to the contact address a request for cancellation of the financial account of the user with the entity originating the financial account;

tracking status of the request for cancellation; and

in response to determining that cancellation of the financial account has been completed, transmit a text message to the user computing device indicating that the financial account has been cancelled.

2. The computerized method of claim 1, wherein the plurality of financial accounts comprises at least one of:

a financial account associated with a credit card or a financial account associated with a debit card.

3. The computerized method of claim 2, wherein the information regarding each of the plurality of financial accounts comprises information related to at least one of:

the entity originating the financial account, a card number, a full name on a card, a security code on the card, or contact information for the entity.

4. The computerized method of claim 1, wherein the input comprises an indication of a financial account of the two or more of the plurality of financial accounts which is reissued to the user.

5. A computer system comprising:

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

provide an enrollment user interface to a user computing device, the enrollment user interface configured to receive information from a user regarding a plurality of financial accounts;

access, based on the enrollment user interface, information regarding each of the plurality of financial accounts;

transmit a user interface with the information regarding each of the plurality of financial accounts;

receive input from the user via the user interface, the input indicating two or more of the plurality of financial accounts; and

for each of the two or more of the plurality of financial accounts;

determine a contact address of an entity originating the financial account;

electronically transmit to the determined contact address a request for cancellation of the financial account of the user with the entity originating the financial account;

track status of the request for cancellation; and

in response to determining that cancellation of the financial account has been completed, transmit a text message to the user computing device indicating that the financial account has been cancelled.

6. The computer system of claim 5, wherein the plurality of financial accounts comprises at least one of:

a financial account associated with a credit card or a financial account associated with a debit card.

7. The computer system of claim 6, wherein the information regarding each of the plurality of financial accounts comprises information related to at least one of:

the entity originating the financial account, a card number, a full name on a card, a security code on the card, or contact information for the entity.

8. The computer system of claim 5, wherein the input comprises an indication of a financial account of the two or more of the plurality of financial accounts which is reissued to the user.