Card registry systems and methods

• US 10,878,499 B2
• Filed: 04/03/2020
• Issued: 12/29/2020
• 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
• Application Number:
  US16/839,457
• Publication Number:
  US 20200334747A1
• Time in Patent Office: 270 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 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:

accessing debit account information of a user from a source other than a credit file of the user;

determining a first account that is identified in the debit account information and not included in the credit file of the user;

providing a user interface that includes a selectable option to add the first account of the user to the credit file;

receiving an indication of a user selection of the selectable option via the user interface; and

based on the received indication, initiating addition of the first account to a database of a credit bureau.

2. The computerized method of claim 1, the method further comprising:

tracking a status of adding the first account to the database of the credit bureau; and

providing status of adding the first account to the user.

3. The computerized method of claim 2, wherein adding the first account to the database of the credit bureau comprises adding the first account to the credit file for the user in the database of the credit bureau.

4. The computerized method of claim 1, the method further comprising:

determining a second account that is identified in the debit account information and not included in the credit file of the user, wherein the selectable option provides the option to select one or more of the first account or the second account of the user to the credit file.

5. The computerized method of claim 1, the method further comprising:

receiving authorization information to access the debit account information from the user, wherein accessing the debit account information is based on the authorization information.

6. The computerized method of claim 1, the method further comprising:

determining a second account that is identified in the debit account information and not included in the credit file of the user; and

determining that the second account corresponds to another user.

7. The computerized method of claim 6, wherein the selectable option does not include an option to select the second account.

8. A system comprising:

a memory; and

one or more hardware processors configured to;

access debit account information of a user from a source other than a credit file of the user;

determine a first account that is identified in the debit account information and not included in the credit file of the user;

provide a first user interface that includes a first selectable option to add the first account of the user to the credit file;

receive an indication of a user selection of the first selectable option via the user interface; and

based on the received indication, initiate addition of the first account to a database of a credit bureau.

9. The system of claim 8, wherein the one or more hardware processors are further configured to:

periodically monitor the debit account information of the user;

determine a second account that is identified in the debit account information and not included in the credit file of the user;

provide a second user interface that includes a second selectable option to add the second account of the user to the credit file;

receive an indication of a user selection of the second selectable option via the user interface; and

based on the received indication, initiate addition of the second account to the database of the credit bureau.

10. The system of claim 9, wherein the second account was not previously in the debit account information when initiating addition of the first account to the database of the credit bureau.

11. The system of claim 8, wherein to access the debit account information comprises accessing a database different than the database of the credit bureau.

12. The system of claim 8, wherein to access the debit account information comprises at least one of scanning files or parsing text in the files.

13. The system of claim 8, wherein the one or more hardware processors are further configured to:

determine a second account that is identified in the debit account information and not included in the credit file of the user;

determine a characteristic of the second account; and

based on the characteristic, not including in the user interface any selectable option for adding the second account to the credit file.

14. The system of claim 8, wherein the one or more hardware processors are further configured to:

determine a second account that is identified in the debit account information and not included in the credit file of the user;

determine a characteristic of the second account; and

based on the characteristic, generating user interface data that causes display of a recommendation to the user to enroll in a third account.

15. A non-transitory computer storage medium storing computer-executable instructions that, when executed by a processor, cause the processor to perform the following method:

accessing debit account information of a user from a source other than a credit file of the user;

determining a first account that is identified in the debit account information and not included in the credit file of the user;

providing a user interface that includes a selectable option to add the first account of the user to the credit file;

receiving an indication of a user selection of the selectable option via the user interface; and

based on the received indication, initiating addition of the first account to a database of a credit bureau.

16. The non-transitory computer storage medium of claim 15, wherein the user interface preselects the first account, and the selectable option comprises an option to unselect the first account.

17. The non-transitory computer storage medium of claim 15, wherein the method further comprises:

transmitting an electronic notification to the user, wherein the electronic notification comprises a recommendation to close the first account.

18. The non-transitory computer storage medium of claim 17, wherein the electronic notification further comprises a recommendation to open a second account.

19. The non-transitory computer storage medium of claim 18, wherein the second account is a new account.

20. The non-transitory computer storage medium of claim 18, wherein the second account comprises a different account number than the first account.