Patent ID: 8374934

Claim:
A method comprising: receiving, at a processor, on a periodic basis, a current file containing account level data for a plurality of credit card accounts, wherein the account level data includes a current account number, an account predecessor, an account successor, and an external status; constructing, using the processor, a subset of the plurality of credit card accounts that contains incorrect account level data; creating, using the processor, a modified file from the current file with the subset of the plurality of credit card accounts marked as inaccurate and by correcting known inconsistencies; generating, from an immediately prior file, using the processor, an ID table that includes account numbers, unique account id's associated with the account numbers, a member number, and a date stamp; associating, using the processor, with each of the current account numbers in the modified file a unique account id and an ordinal number, wherein one of the unique account id's listed in the ID table is associated with the one of the current account numbers if the current account number is listed as one of the account numbers in the ID table, a new unique account id is assigned if the account predecessor is not indicated, and one of the unique account id's is associated with one of the current account numbers if the account predecessor is in the ID table and the member number of the account predecessor matches the member number of the current account; creating, using the processor, a tentative order for each of the unique account id's based on a scoring model by iteratively processing chains of succession of unresolved credit cards listed in the modified file; and reconciling the tentative order with any permanent order developed in any previous file to create a card account relationship.