Patent ID: 8543498

Claim:
A method of managing feature sets associated with credit card account numbers, comprising: storing, by a processor, in a first database coupled to a network, a plurality of credit card account numbers; storing, by the processor, in a second database coupled to a network, a list of tracking numbers, wherein each tracking number represents a group of credit card account features, wherein a feature set, made of one or more features, is assigned a unique tracking number; assigning, by the processor, a tracking number to a credit card account number, the credit card account number including a banking identification number (BIN) and a sub-BIN and a customer account number, the tracking number associating the credit card account number with a predetermined feature set; issuing, by the processor, a credit card account number to a credit card customer; and maintaining, by the processor, the issued credit card account number even when the predetermined feature set is modified thereby avoiding re-issuing any of a BIN, a sub-BIN, customer account number or a credit card to the customer; and indicating, by the processor, literature to be included with the credit card based upon the tracking number and a bank issuing the credit card based upon the tracking number.