CREDIT ACCOUNT LINKING SYSTEM
A method for authorizing access to a customer's credit account is described. The method includes: accessing a set of customer information particular to a customer to achieve an accessed set of customer information; comparing the assessed set of customer information to stored customer information; based on the comparing, determining if a match between the received set of customer information and the stored customer information exists, wherein if the match exists, identifying a matched stored customer information; identifying a customer credit account, of the set of credit accounts, linked to the matched stored customer information to achieve an identified customer credit account; and generating a credit verification for the customer, enabling the customer to cause a set of charges to be applied to the identified customer credit account.
1 . A computer-implemented method for authorizing access to a customer's credit account, said method comprising:
accessing a set of customer information particular to a customer to achieve an accessed set of customer information;
comparing said accessed set of customer information to stored customer information, wherein said stored customer information comprises information associated with a set of customers and is linked to a set of credit accounts;
based on said comparing, determining if a match between said accessed set of customer information and said stored customer information exists, wherein if said match exists, identifying a matched stored customer information;
identifying a customer credit account, of said set of credit accounts, linked to said matched stored customer information to achieve an identified customer credit account; and
generating a credit verification for said customer, enabling said customer to cause a transactional activity to occur in association with said identified customer credit account.
2 . The computer-implemented method of claim 1 , further comprising:
sending said credit verification to a point of service station.
3 . The computer-implemented method of claim 1 , further comprising:
if said match is determined not to exist, then generating a not found message, wherein said not found message indicates that said match is determined not to exist.
4 . The computer-implemented method of claim 1 , wherein said set of customer information comprises a predetermined amount of customer information particular to said customer, wherein said predetermined amount is a number of digits of a social security number of said customer.
5 . The computer-implemented method of claim 1 , wherein said set of customer information comprises a predetermined amount of customer information particular to said customer, wherein said predetermined amount is a zip code of said customer.
6 . The computer-implemented method of claim 1 , wherein said set of customer information comprises a predetermined amount of customer information particular to said customer, wherein said predetermined amount is a password for said customer.
7 . The computer-implemented method of claim 1 , wherein said credit account is associated with a credit card that is store-branded credit card.
8 . An article of manufacture, which comprises a computer readable medium having stored therein a computer program for authorizing access to a customer's credit account, said computer program comprising:
a first code segment which, when executed on a computer, accesses a set of customer information particular to a customer to achieve an accessed set of customer information;
a second code segment which, when executed on said computer, compares said accessed set of customer information to stored customer information, wherein said stored customer information comprises information associated with a set of customers and is linked to a set of credit accounts;
a third code segment which, when executed on said computer, based on said comparing, determines if a match between said accessed set of customer information and said stored customer information exists, wherein if said match exists, identifying a matched stored customer information;
a fourth code segment which, when executed on said computer, identifies a customer credit account, of said set of credit accounts, linked to said matched stored customer information to achieve an identified customer credit account; and
a fifth code segment which, when executed on said computer, generates a credit verification for said customer, enabling said customer to cause a transactional activity to occur in association with said identified customer credit account.
9 . The article of manufacture of claim 8 , wherein said computer program further comprises:
a sixth code segment which, when executed on said computer, sends said credit verification to a point of service station.
10 . The article of manufacture of claim 8 , wherein said computer program further comprises:
a seventh code segment which, when executed on said computer, if said match is determined not to exist, then generates a not found message, wherein said not found message indicates that said match does not to exist.
11 . A credit account linker comprising:
a customer information accessor coupled with a computer, said customer information accessor configured for accessing a set of customer information particular to a customer to achieve an accessed set of customer information;
a customer information comparer coupled to said computer, said customer information comparer configured for comparing said accessed set of customer information to stored customer information, wherein said stored customer information comprises information associated with a set of customers and is linked to a set of credit accounts;
a match determiner coupled to said computer, said match determiner configured for, based on said comparing, determining if a match between said accessed set of customer information and said stored customer information exists, wherein if said match exists, identifying a matched stored customer information;
a customer credit account identifier coupled to said computer, said customer credit account identifier configured for identifying a customer credit account, of said set of credit accounts, linked to said matched stored customer information to achieve an identified customer credit account; and
an credit verification generator coupled to said computer, said credit verification generator configured for generating a credit verification for said customer, enabling said customer to cause a transactional activity to occur in association with said identified customer credit account.
12 . The credit account linker of claim 11 , further comprising:
an credit verification sender coupled with said computer, said credit verification sender configured for sending said credit verification to a point of service station.
13 . The credit account linker of claim 11 , further comprising:
a not found message generator coupled with said computer, said not found message generator configured for, if said match is determined not to exist, then generating a not found message, wherein said not found message indicates that said match is determined not to exist.
14 . The credit account linker of claim 11 , wherein said set of customer information comprises a predetermined amount of customer information particular to said customer, wherein said predetermined amount is a number of digits of a social security number of said customer.
15 . The credit account linker of claim 11 , wherein said set of customer information comprises a predetermined amount of customer information particular to said customer, wherein said predetermined amount is a zip code of said customer.
16 . The credit account linker of claim 11 , wherein said set of customer information comprises a predetermined amount of customer information particular to said customer, wherein said predetermined amount is a password for said customer.
17 . The credit account linker of claim 11 , wherein said credit associated with said credit card accounts is a store-branded credit card.
18 . A system for authorizing access to a customer's credit account, said system comprising:
a receiver configured for receiving a set of customer information particular to a customer to achieve an accessed set of customer information;
a memory device configured for storing customer information, wherein stored customer information comprises information associated with a set of customers and is linked to a set of credit accounts;
a processor configured for:
accessing said set of customer information received by said receiver to achieve an accessed set of customer information;
comparing said accessed set of customer information to said stored customer information, wherein said stored customer information comprises information associated with a set of customers and is linked to a set of credit and accounts;
based on said comparing, determining if a match between said received set of customer information and said stored consumer information exists, wherein if said match exists, identifying a matched stored consumer information;
identifying a customer credit account, of said set of credit accounts, linked to said matched stored customer information to achieve an identified customer credit account; and
generating an credit verification for said customer, enabling said customer to cause a transactional activity to occur in association with said identified customer credit account;
sending said credit verification to a transmitter; and
a transmitter configured for transmitting said credit verification to said point of service station.
19 . The system of claim 18 , wherein said processor further comprises:
if said match is determined not to exist, then generating a not found message, wherein said not found message indicates that said match is determined not to exist.