Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2005-12-05
2009-06-30
Lee, Michael G (Department: 2876)
Registers
Systems controlled by data bearing records
Banking systems
C235S380000, C235S382000, C705S039000, C705S044000, C705S014270
Reexamination Certificate
active
07552866
ABSTRACT:
Migration of a first type of financial transaction instrument to a second type of financial transaction instrument is beneficial when the first instrument no longer is suitable for an account holder due to a change in the account holder's situation. A list of consumers for which an event has occurred during a pre-defined time period is compared with a list of account holders of the first instrument to determine an account holder for which the event has occurred during the pre-defined time period. If it is determined that the account holder has provided prior instructions authorizing automatic migration, then the first instrument is migrated to the second instrument by issuing the second instrument, notifying the account holder that migration has taken place or will take place, and updating account information to indicate migration to the second instrument.
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Bernstein Jennifer
Brooks Scott B.
Horton, Jr. Carl T.
Ruttenberg Noga
American Express Travel Related Services Company Inc.
Fitzpatrick ,Cella, Harper & Scinto
Haupt Kristy A
Lee Michael G
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