Patent ID: 7809637
Filing Date: 2010-10-05
Classification: G06Q

Abstract:
1. A method comprising: receiving a portability trigger that indicates that a first relationship between a holder of a portable consumer device and a first employer is terminated; in response to determining that the first relationship is terminated, disassociating, using a server computer, account information of the portable consumer device from the first employer while retaining an association between the portable consumer device and an issuer of the portable consumer device in a database coupled with the server computer, wherein the account information includes one or more device statuses; stripping first employer benefits information from the portable consumer device in the database, wherein the first employer benefits information comprises a first employer fee schedule for fees charged to the holder when the holder uses the portable consumer device to conduct transactions; determining, based on the one or more device statuses, whether the portable consumer device qualifies for placement in an orphan standing or for transfer to a second employer; if it is determined that the portable consumer device qualifies for said placement in said orphan standing, placing the portable consumer device in said orphan standing, alerting the holder that the portable consumer device is in said orphan standing, sending the holder information concerning terms and conditions of said orphan standing and transferring the portable consumer device to a standard fee schedule; and if it is determined that the portable consumer device qualifies for said transfer to the second employer, linking the account information of the portable consumer device with the second employer in the database, receiving second employer benefits information, wherein the second employer benefits information comprises a second employer fee schedule for fees charged to the holder when the holder uses the portable consumer device to conduct transactions, and transferring the portable consumer device to the second employer fee schedule.