Patent ID: 8635151

Claim:
A method for managing a financial account, the method comprising: maintaining account information for the financial account on a host system, wherein the account information includes a set of account parameter values and a specification of a base account processing strategy; overriding at least a portion of the base account processing strategy with the host system by accessing an entry in a lookup table maintained on a storage device in communication with the host system, the entry being defined by at least one of the account parameter values, and implementing an operation specified by the entry and inconsistent with operations specified by the base account processing strategy; and reverting to the base account processing strategy with the host system in response to satisfaction of a predetermined trigger condition, wherein the lookup table comprises a plurality of lookup tables, and accessing an entry in the lookup table comprises: accessing an entry in a first of the plurality of lookup tables, the entry in the first of the plurality of lookup tables being accessed based on a first set of at least three decision elements, wherein: each financial account decision element indicates a cardholder characteristic and each of the first set of at least three decision elements are used to select the entry in the first of the plurality of lookup tables; and accessing an entry in a second of the plurality of lookup tables based on a second set of at least two decision elements, each decision element of the second set of decision elements being different from each decision element of the first set of decision elements, wherein the second of the plurality of lookup tables is identified by the entry in the first of the plurality of lookup tables; and implementing the operation specified by the entry comprises implementing an operation specified by the entry in the second of the plurality of lookup tables.