IP Library › Granted Patent US 8,635,151
Granted Patent B2
US 8,635,151 · App. 10/917,854 · Granted Jan 21, 2014

Method and system for handling method level processing in connection with cardholder account processing

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Quick Facts
Patent No.
US 8,635,151
App. No.
10/917,854
Granted
Jan 21, 2014
Kind
B2
Abstract

Methods and systems are provided for managing a financial account in which account information is maintained for the financial account on a host system. The account information includes a set of account parameter values and a specification of a base account processing strategy. An entry in a lookup table is maintained on a storage device in communication with the host system is accessed. The entry is defined by at least one of the account parameter values. An operation specified by the entry and inconsistent with operations specified by the base account processing strategy is implemented to override at least a portion of the base account processing strategy. The base account processing strategy is reverted to with the host system in response to satisfaction of a predetermined trigger condition.

Claims (54)

1. A method for managing a financial account, the method comprising:

maintaining account information for the financial account on a host system, wherein the account information includes a set of account parameter values and a specification of a base account processing strategy;

overriding at least a portion of the base account processing strategy with the host system by accessing an entry in a lookup table maintained on a storage device in communication with the host system, the entry being defined by at least one of the account parameter values, and implementing an operation specified by the entry and inconsistent with operations specified by the base account processing strategy; and

reverting to the base account processing strategy with the host system in response to satisfaction of a predetermined trigger condition,

wherein the lookup table comprises a plurality of lookup tables, and accessing an entry in the lookup table comprises:

accessing an entry in a first of the plurality of lookup tables, the entry in the first of the plurality of lookup tables being accessed based on a first set of at least three decision elements, wherein:

each financial account decision element indicates a cardholder characteristic and each of the first set of at least three decision elements are used to select the entry in the first of the plurality of lookup tables; and

accessing an entry in a second of the plurality of lookup tables based on a second set of at least two decision elements, each decision element of the second set of decision elements being different from each decision element of the first set of decision elements, wherein

the second of the plurality of lookup tables is identified by the entry in the first of the plurality of lookup tables; and

implementing the operation specified by the entry comprises implementing an operation specified by the entry in the second of the plurality of lookup tables.

2. The method recited in claim 1 further comprising receiving account usage information for the financial account with the host system, wherein the entry is further defined by the account usage information.

3. The method recited in claim 1 wherein:

overriding the at least a portion of the base account processing strategy comprises specifying a temporal lock period; and

reverting to the base account processing strategy is performed after passage of the temporal lock period.

4. A method for managing a financial account, the method comprising:

maintaining account information for the financial account on a host system, wherein the account information includes a set of account parameter values and a specification of a base account processing strategy;

overriding at least a portion of the base account processing strategy with the host system by accessing an entry in a lookup table maintained on a storage device in communication with the host system, the entry being defined by at least one of the account parameter values, and implementing an operation specified by the entry and inconsistent with operations specified by the base account processing strategy; and

recording, with the host system, a temporal lock period measured from a time of overriding the at least a portion of the base account processing strategy during which the overriding is prohibited from being removed,

wherein the lookup table comprises a plurality of lookup tables, and accessing an entry in the lookup table comprises:

accessing an entry in a first of the plurality of lookup tables, the entry in the first of the plurality of lookup tables being accessed based on a first set of at least three decision elements, wherein:

each financial account decision element indicates a cardholder characteristic and each of the first set of at least three decision elements are used to select the entry in the first of the plurality of lookup tables; and

accessing an entry in a second of the plurality of lookup tables based on a second set of at least two decision elements, each decision element of the second set of decision elements being different from each decision element of the first set of decision elements, wherein

the second of the plurality of lookup tables is identified by the entry in the first of the plurality of lookup tables; and

implementing the operation specified by the entry comprises implementing an operation specified by the entry in the second of the plurality of lookup tables.

5. The method recited in claim 4 further comprising:

identifying the occurrence of a predetermined trigger condition with the host system;

determining, with the host system, whether a time of occurrence of the predetermined trigger condition is within the temporal lock period; and

reverting to the base account processing strategy with the host system in response to the occurrence of the predetermined trigger condition if the time of occurrence of the predetermined trigger condition is within the temporal lock period.

6. The method recited in claim 4 further comprising receiving account usage information for the financial account with the host system, wherein the entry is further defined by the account usage information.

7. The method recited in claim 4 wherein the temporal lock period is finite.

8. The method recited in claim 4 wherein the temporal lock period is indefinite.

9. A method for managing a financial account, the method comprising:

maintaining account information for the financial account on a host system, wherein the account information includes a set of account parameter values and a specification of a base account processing strategy;

receiving account usage information for the financial account with the host system;

overriding at least a portion of the base account processing strategy with the host system by:

accessing an entry in a first of a plurality of lookup tables maintained on a storage device in communication with the host system, the entry in the first of the plurality of lookup tables being accessed based on a first set of at least three decision elements, wherein:

each financial account decision element indicates a cardholder characteristic and each of the first set of at least three decision elements are used to select the entry in the first of the plurality of lookup tables; and

accessing an entry in a second of the plurality of lookup tables based on a second set of at least two decision elements, each decision element of the second set of decision elements being different from each decision element of the first set of decision elements, wherein

the second of the plurality of lookup tables is identified by the entry in the first of the plurality of lookup tables;

implementing an operation specified by the entry in the second of the lookup tables and inconsistent with operations specified by the base account processing strategy;

recording, with the host system, a temporal lock period measured from a time of overriding the at least a portion of the base account processing strategy during which the overriding is prohibited from being removed;

identifying the occurrence of a predetermined trigger condition with the host system;

determining, with the host system, that a time of occurrence of the predetermined trigger condition is later than the temporal lock period; and

reverting to the base account processing strategy with the host system in response to the occurrence of the predetermined trigger condition.

10. A method of maintaining a plurality of financial accounts, the method comprising:

maintaining account information for each of the plurality of accounts on a storage device, wherein the account information for each account includes a set of respective account parameter values and a specification of a respective base account processing strategy;

receiving multiple hypothetical lookup tables with a host system in communication with the storage device, the hypothetical lookup tables corresponding to a hypothetical processing scenario for the plurality of accounts;

determining which of the plurality of accounts have account information with respective account parameter values that would result in a change in the respective base account processing strategy by applying the account-processing override specified by the entries in the hypothetical lookup tables defined by the respective account parameter values, wherein determining which of the plurality of accounts with respective account parameter values that would result in the change comprises, for each account:

accessing an entry in a first lookup table, the entry in the first lookup table being accessed based on a first set of at least three decision elements, wherein:

each financial account decision element indicates a cardholder characteristic and each of the first set of at least three decision elements are used to select the entry in the first lookup table; and

accessing an entry in a second lookup table based on a second set of at least two decision elements, each decision element of the second set of decision elements being different from each decision element of the first set of decision elements, wherein

the second lookup table is identified by the entry in the first lookup table; and

generating a report summarizing results of the determining.

11. The method recited in claim 10 further comprising maintaining respective account usage information for each of the plurality of accounts on the storage device, wherein entries within the hypothetical lookup tables are further defined by account usage information.

Assignments (8)
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION; DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC. (K/N/A FIRST DATA RESOURCES, LLC); FUNDSXPRESS FINANCIAL NETWORKS, INC.; INTELLIGENT RESULTS, INC. (K/N/A FIRST DATA SOLUTIONS, INC.); LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
Reel/Frame 050090/0060 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION; DW HOLDINGS, INC.; FIRST DATA RESOURCES, LLC; FUNDSXPRESS FINANCIAL NETWORK, INC.; FIRST DATA SOLUTIONS, INC.; LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
Reel/Frame 050091/0474 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION
Reel/Frame 050094/0455 →
RELEASE OF SECURITY INTEREST Recorded Jul 30, 2019
From: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH
To: CARDSERVICE INTERNATIONAL, INC.; DW HOLDINGS INC.; FIRST DATA CORPORATION; FIRST DATA RESOURCES, LLC; FUNDSXPRESS, INC.; INTELLIGENT RESULTS, INC.; LINKPOINT INTERNATIONAL, INC.; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.; TELECHECK SERVICES, INC.
Reel/Frame 049902/0919 →
SECURITY AGREEMENT Recorded Jan 31, 2011
From: DW HOLDINGS, INC.; FIRST DATA RESOURCES, LLC; FUNDSXPRESS FINANCIAL NETWORKS, INC.; FIRST DATA SOLUTIONS, INC.; LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC
To: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 025719/0590 →
SECURITY AGREEMENT Recorded Nov 17, 2010
From: DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC. (K/N/A FIRST DATA RESOURCES, LLC); FUNDSXPRESS FINANCIAL NETWORKS, INC.; INTELLIGENT RESULTS, INC. (K/N/A FIRST DATA SOLUTIONS, INC.); LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
To: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 025368/0183 →
SECURITY AGREEMENT Recorded Oct 31, 2007
From: FIRST DATA CORPORATION; CARDSERVICE INTERNATIONAL, INC.; FUNDSXPRESS, INC.; LINKPOINT INTERNATIONAL, INC.; TASQ TECHNOLOGY, INC.; TELECHECK SERVICES, INC.; DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC.; INTELLIGENT RESULTS, INC.; SIZE TECHNOLOGIES, INC.; TELECHECK INTERNATIONAL, INC.
To: CREDIT SUISSE, CAYMAN ISLANDS BRANCH, AS COLLATERAL AGENT
Reel/Frame 020045/0165 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 17, 2004
From: KRAJEWSKI, STEVE R.; ROSE, KEITH A.; CASH, REBECCA J.; PLOZAY, MOLLY; SAVAGE, RICHARD L.; BROCKLEY, TOD O.; HARDEN, JEFFREY S.
To: FIRST DATA CORPORATION
Reel/Frame 015467/0001 →