Patent ID: 7451113

Claim:
A computerized method of on-line card management wherein a card is issued to a card user by an issuing organization, the computerized method comprising: presenting an authorization user interface to the card user to authorize a card management organization to obtain the card user's credit report from a credit reporting bureau; requesting the card user's credit report from the credit reporting bureau over a computer network; receiving the user's credit report having real-time card information of the card user's cards from the credit reporting bureau; parsing the real-time card information into a database connected to the card management's computer system; automatically marking selected credit card type trade lines from the real-time card information as potential cards to be automatically registered in the card management organization's computer; determining a credit card issuer from the real-time card information using the card management organization's database of known card issuer aliases; automatically and in real-time fully or partially registering the potential cards according to one of the following conditions: (a) if the card issuer and its respective card are fully identified; (b) if only the card issuer of a respective card is known; or (c) if either the card issuer or its respective card do not match; submitting the automatically registered cards to the card user for editing and approval; and storing registration data of the automatically registered cards in the card management organization's computer system.