The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 04, 2008
Filed:
Mar. 14, 2002
Steve R. Krajewski, Omaha, NE (US);
Keith a Rose, Omaha, NE (US);
Rebecca J. Avsec, Omaha, NE (US);
Molly Plozay, Omaha, NE (US);
Richard L. Savage, Salt Lake City, UT (US);
Tod O. Brockley, Omaha, NE (US);
Jeffrey S. Harden, Omaha, NE (US);
Steve R. Krajewski, Omaha, NE (US);
Keith A Rose, Omaha, NE (US);
Rebecca J. Avsec, Omaha, NE (US);
Molly Plozay, Omaha, NE (US);
Richard L. Savage, Salt Lake City, UT (US);
Tod O. Brockley, Omaha, NE (US);
Jeffrey S. Harden, Omaha, NE (US);
First Data Corporation, Greenwood Village, CO (US);
Abstract
A method and system are provided for automatically adjusting individual components of account processing for credit card accounts or other financial accounts based on characteristics and behavior of individual account holders. A first data store holds account data for financial accounts, including the account processing methods and associated method overrides applied to each financial account as well as account history information. A second data store holds decision rules for determining whether to apply a method override to the financial account based on the account history information. A decision engine retrieves the decision rules from the second data store and the account history information from the first data store, then determines, based on the decision rules and the account history information, whether a method override should be applied to the financial account. The decision engine then applies the method override to the financial account.