Invention Grant
US08374934B1 Credit card relationship derivation (AcctID) from historic data
有权
来自历史数据的信用卡关系派生(AcctID)
- Patent Title: Credit card relationship derivation (AcctID) from historic data
- Patent Title (中): 来自历史数据的信用卡关系派生(AcctID)
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Application No.: US12968921Application Date: 2010-12-15
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Publication No.: US08374934B1Publication Date: 2013-02-12
- Inventor: Glen Becker , Yifan Cui , Charlotte Hamner
- Applicant: Glen Becker , Yifan Cui , Charlotte Hamner
- Applicant Address: US TX San Antonio
- Assignee: United Services Automobile Association (USAA)
- Current Assignee: United Services Automobile Association (USAA)
- Current Assignee Address: US TX San Antonio
- Agency: Perkins Coie LLP
- Main IPC: G06Q40/00
- IPC: G06Q40/00

Abstract:
Systems and methods for credit card relationship derivation from historic data are provided. A single credit card relationship between a membership organization and a member can be very long-lived and identified by many different account numbers over time. For example, a new card with a new number can be issued if the card is lost, stolen, the member changes the card type (Standard, Gold or Platinum) or the card number is thought to be compromised. Sometimes, data security compromises committed by third-parties can result in a simultaneous mass re-issue of many cards. Various embodiments of the present invention create a common key and ordinal numbers that identifies the account throughout its life by resolving ambiguities and inconsistencies in historical data.
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