CARD REGISTRY SYSTEMS AND METHODS

• US 20180276747A1
• Filed: 05/30/2018
• Published: 09/27/2018
• 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
• Granted Patent: US 10,262,364 B2
• Time in Patent Office: Days
• 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:

automatically accessing personal information of a user including indications of one or more accounts of the user;

identifying the one or more accounts based on an assessment of the accessed personal information;

identifying a first subset of the accounts each associated with a first characteristic indicative of accounts that do not require cancellation;

identifying a second subset of the accounts each associated with a second characteristic indicative of accounts that require cancellation; and

for each of the second subset of accounts;

determining a contact address of an entity originating the at account; and

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

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

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

3. The computerized method of claim 1, wherein automatically accessing personal information is based on at least one of:

the entity originating the account, an account number, a name of a user, an authorization code for the one or more accounts, or contact information for the entity.

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

transmitting information to the user with the accessed personal information regarding each of the one or more accounts; and

receiving input from the user, the input indicating a selection of at least one of the one or more accounts, wherein the transmitted information to the user with the accessed information comprises a user interface with the second subset of the accounts initially selected and providing an option for the user to unselect one or more of the second subset of the accounts.

5. The computerized method of claim 4, wherein the input from the user is received by text message.

6. The computerized method of claim 4, wherein the transmitted information to the user is transmitted via one or more electronic communication networks.

7. The computerized method of claim 1, wherein electronically transmitting to the contact address the request for cancellation of the account for the user with the entity originating the account comprises transmitting an electronic communication to the entity originating the account instructions that are sufficient to initiate cancellation of the account.

8. The computerized method of claim 1, wherein identifying the one or more accounts based on the assessment of the accessed personal information comprises identifying the one or more accounts based on one or more rules for identifying the one or more accounts.

9. The computerized method of claim 8, wherein the one or more rules are received by the user.

10. The computerized method of claim 1, wherein the request for cancellation is transmitted to respective FTP addresses, IP addresses, or email addresses of the entity originating the at least one of the one or more accounts.

11. A system comprising:

one or more processors configured to;

automatically access financial information of a user including indications of one or more accounts of the user;

identify the one or more accounts based on an assessment of the accessed financial information;

identifying a first subset of the accounts each associated with a first characteristic indicative of accounts that do not require cancellation;

identifying a second subset of the accounts each associated with a second characteristic indicative of accounts that require cancellation; and

for each of the second subset of accounts;

determine a contact address of an entity originating the at account; and

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

12. The system of claim 11, wherein the one or more accounts comprises at least one of:

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

13. The system of claim 11, wherein automatically accessing financial information is based on at least one of:

the entity originating the account, an account number, a name of a user, an authorization code for the one or more accounts, or contact information for the entity.

14. The system of claim 11, wherein the request for cancellation is transmitted to respective FTP addresses, IP addresses, or email addresses of the entity originating the at least one of the one or more accounts.

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:

automatically accessing information of a user including indications of one or more accounts of the user;

identifying the one or more accounts based on an assessment of the accessed information;

identifying a first subset of the accounts each associated with a first characteristic indicative of accounts that do not require cancellation;

identifying a second subset of the accounts each associated with a second characteristic indicative of accounts that require cancellation;

and

for each of the second subset of accounts;

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

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

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

transmitting information to the user with the accessed information regarding each of the one or more accounts; and

receiving input from the user, the input indicating a selection of at least one of the one or more accounts, wherein the transmitted information to the user with the accessed information comprises a user interface with the second subset of the accounts initially selected and providing an option for the user to unselect one or more of the second subset of the accounts.

17. The non-transitory computer storage medium of claim 16, wherein the input from the user is received by text message.

18. The non-transitory computer storage medium of claim 16, wherein the transmitted information to the user is transmitted via one or more electronic communication networks.

19. The non-transitory computer storage medium of claim 15, wherein identifying the one or more accounts based on the assessment of the accessed information comprises identifying the one or more accounts based on one or more rules for identifying the one or more accounts.

20. The non-transitory computer storage medium of claim 19, wherein the one or more rules are received by the user.