Patent ID: 7840459

Claim:
A method comprising: a) providing by a first issuer bank a first credit instrument to a user; b) receiving a request at a computer system operated by the first issuer bank to contact the user before a second issuer bank issues a second credit instrument to the user; c) using the computer system, contacting the user by the first issuer bank to request that the user authorize or decline the issuance of the second credit instrument by the second issuer bank; d) receiving a response from the user at the computer system at the first issuer bank as to whether the user authorizes or declines the issuance of the second credit instrument; and e) using the computer system, providing a notification by the first issuer bank regarding the response from the user as to whether the user authorizes or declines the issuance of the second credit instrument, wherein e) providing the notification regarding the response from the user as to whether the user authorizes or declines the issuance of the second credit instrument comprises notifying an issuer clearinghouse service regarding the response from the user as to whether the user authorizes or declines the issuance of the second credit instrument, wherein the issuer clearinghouse service thereafter notifies the second issuer bank as to whether the user authorizes or declines the issuance of the second credit instrument, wherein an identifier of the user along with a registered issuer identifier were entered into a database operated by the issuer clearinghouse service, wherein the registered issuer identifier is associated with the first issuer bank; and wherein the second issuer bank does not know the identity of the first issuer bank as the method is performed, and wherein the method further comprises determining, by the computer system, if the identifier of the user received from the second issuer bank matches the identifier of the user previously stored in the database, and if there is no match, then notifying the second issuer bank that the second issuer bank is allowed to issue the second credit instrument.