System and method for updating account information

US11301852B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Amy Alterman · San Francisco, US
• Jeffrey Sachs · Foster City, US
• Denise Raper · Austin, US
• Paul Spaeth · Rue de l'Église, US
• Aashish Bhargava · Foster City, US
• Traci Engle · Dublin, US
• Sameer Govila · Weaverville, US
• Lisa Doherty · San Jose, US
• David Richey · Hayward, US

Key dates

• Filing date: Nov 3, 2015
• Grant date: Apr 12, 2022
• Expiry date: Nov 7, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/42
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.