Patent ID: 7970705

Claim:
A method comprising: receiving, at a server computer, old account information associated with a user, wherein the old account information is to be replaced with new account information; generating a list of merchants associated with a set of recurring payments, wherein the recurring payments are made using the old account information; providing the list of merchants for the user; and receiving a response from the user, the response indicating whether to continue processing recurring payments for the merchants using the new account information, wherein the old account information is associated with an old payment card and the new account information is associated with a new payment card, wherein the old payment card and the new payment card are issued from the same issuer, wherein the response from the user indicates that an authorized merchant in the list of merchants is to be paid using a recurring payment process using the new account information, and wherein the method further comprises, after receiving the response from the user, receiving an authorization request message from the authorized merchant, and sending an authorization response message to the authorized merchant, wherein the authorization response message indicates whether or not the authorization request message is approved or denied, and wherein the method further comprises, modifying the authorization request message to exclude the old account information and to include the new account information, and sending the modified authorization request message to the issuer, wherein the authorization request message comprises a recurring payment indicator, an account number, a merchant identifier, and a transaction amount.