United Services Automobile Association (usaa)

Sean Holstien

Cornelius Williams

Daniel Ronald Zaharia

Trisha Suzanne Mock

Christopher Patrick Kelley

Carly Jean Stevens

Jarrod Lawrence Joplin

Ryan L Clark

Corinne Burrows Schuster

Jo Anne Yau

Jeremy Michael Burns

Elainie B Hicks

Christopher Gregory

Audra Kelley

Marisa Pruski

John Griffin

Techniques are described for determining a value metric for each of a plurality of payment cards, and recommending payment card(s) based on their respective value metrics. Implementations provide a recommendation engine that analyzes user data and card data, and recommends payment card(s) that may be suitable for a user. The engine consumes usage data and credit score and uses that information, along with characteristics of various available cards, to develop a value metric for each payment card that indicates how valuable owning the card would be to the particular user, such as how much money the user can expect to make or lose every year if they use the card as indicated, given the card's interest rate, rewards, fees, and so forth. The engine can rank the cards according to their value metrics, and the top-ranked card(s) are presented to the user as recommendations in a user interface.

Value metric and comparison interface for payment cards

Methods, systems, and apparatus, including computer programs encoded on computer storage media can be used to facilitate information and access to accounts. One of the methods includes in response to determining that a user has reported a card associated with an account as lost or stolen, providing a user interface option to associate the account with a digital wallet. The method includes in response to receiving a request from a user associating the accord with the digital wallet absent associating a card associated with the account with the digital wallet.

Technical solutions to lost credit cards

Growing community of inventors

Irvine, CA, United States of America

Sean Holstien