# US 8,543,498 B2 · Method and system for designating and tracking feature sets for individual accounts > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,543,498 B2 - Document ID: US8543498B2 - Status: Granted - Kind: B2 - Application number: 11/522,432 - Filed: 2006-09-18 - Published: 2007-03-29 - Granted: 2013-09-24 - Earliest claimed: 2005-09-19 - Assignees: Aurora Financial Systems, Inc. - Applicants: Mark Mathias Silbernagel; Rene Pierre Babi - Inventors: Mark Mathias Silbernagel; Rene Pierre Babi - Web page: https://patentgrep.com/patent/US8543498B2 ## CPC - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A improved method of managing feature sets associated with credit card account numbers includes (1) storing in a first database a plurality of credit card account numbers, wherein each credit card account number comprises a bank identification number (BIN), a sub-BIN, an account number and a verification or validation value, (2) storing in a second database a list of tracking numbers, wherein each tracking number represents a group of credit card account features, and wherein each feature is assigned a unique identification number, and (3) associating individual ones of the tracking numbers to individual ones of the credit card account numbers such that such individual credit card account numbers are each associated with a predetermined feature set. ## Claims ### Claim 1 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. ### Claim 2 (depends on 1) The method of claim 1, wherein the first and second databases are in the form of tables. ### Claim 3 (depends on 1) The method of claim 1, wherein the first and second databases are logically separate but are implemented on a single physical device. ### Claim 4 (depends on 1) The method of claim 1, wherein the predetermined feature set includes an interest rate. ### Claim 5 (depends on 1) The method of claim 1, wherein the predetermined feature set includes an identification of an incentive program. ### Claim 6 (depends on 1) The method of claim 1, wherein the predetermined feature set includes an identification of a fee structure. ### Claim 7 (depends on 1) The method of claim 1, wherein the predetermined feature set includes an identification of a type of artwork to be placed on a card. ### Claim 8 (depends on 1) The method of claim 1, wherein the predetermined feature set includes an identification of a regional or national network to which an account is associated. ### Claim 9 (depends on 1) The method of claim 1, wherein at least one tracking number tracks a type of literature that should accompany a credit card that is associated with a given one of the credit card account numbers when shipped to a customer. ### Claim 10 (depends on 1) The method of claim 1, wherein at least one tracking number tracks an entity that sold a credit card. ### Claim 11 (depends on 1) The method of claim 1, wherein at least one tracking number identifies which disclosures should accompany a credit card that is associated with a given one of the credit card account numbers when shipped to a customer. ### Claim 12 (depends on 1) The method of claim 1, wherein at least one tracking number identifies which recordings are to be played when a customer encounters an interactive voice response (IVR) system. ### Claim 13 (depends on 1) The method of claim 1, wherein at least one tracking number identifies which features are to be displayed when a customer accesses a website via the internet. ### Claim 14 A method of assigning credit card account numbers, comprising; storing, by a processor, a credit card account number in a first database coupled to a network, wherein the credit card account number comprises a bank identification number (BIN), a sub-BIN, an account number and a verification or validation value; storing, by the processor, a list of tracking numbers in a second database coupled to a network, wherein each tracking number represents a feature set of one or more credit card account features, wherein each feature is assigned a unique tracking number and the tracking number links the credit card account number with the feature set; assigning, by the processor, one of the tracking numbers to the credit card account number such that the credit card account number is associated with a predetermined feature set; issuing, by the processor, a credit card account including a particular BIN, a particular sub-BIN and an particular account number to a credit card customer, a tracking number associated with the issued credit card account linking the issued credit card account with a particular feature set; and maintaining, by the processor, the issued credit card account number even when the particular feature set is modified thereby avoiding re-issuing of a BIN, a sub-BIN, customer account number or a credit card to the customer. ### Claim 15 (depends on 14) The method of claim 14, wherein the predetermined feature set includes an interest rate. ### Claim 16 (depends on 14) The method of claim 14, wherein the predetermined feature set includes an identification of an incentive program. ### Claim 17 (depends on 14) The method of claim 14, wherein the predetermined feature set includes an identification of a fee structure. ### Claim 18 (depends on 14) The method of claim 14, wherein the predetermined feature set includes an identification of a type of artwork to be placed on a card. ### Claim 19 (depends on 14) The method of claim 14, wherein the predetermined feature set includes an identification of a regional or national network to which an account is associated. ### Claim 20 (depends on 14) The method of claim 14, wherein the one of the tracking number tracks a type of literature that should accompany a credit card that is associated with the credit card account numbers when shipped to a customer. ### Claim 21 (depends on 14) The method of claim 14, wherein one of the tracking number tracks an entity that sold a credit card. ### Claim 22 (depends on 14) The method of claim 14, wherein one of the tracking number identifies which disclosures should accompany a credit card that is associated with the credit card account numbers when shipped to a customer. ### Claim 23 (depends on 14) The method of claim 14, wherein one of the tracking number identifies which recordings are to be played when a customer encounters an interactive voice response (IVR) system. ### Claim 24 (depends on 14) The method of claim 14, wherein one of the tracking number identifies which features are to be displayed when a customer accesses a website via the intemet. ### Claim 25 A method of assigning a features set to individual ones of the credit card numbers in a database storing a plurality of credit card numbers, comprising: storing, by a processor, the plurality of credit card account numbers; separately storing a list of tracking numbers by the processor, wherein each tracking number represents a feature set of credit card account features, wherein each feature set is assigned a unique tracking number; and assigning, by the processor, a tracking number to a credit card account number such that such credit card account is each associated with a predetermined feature set; Issuing, by the processor, a credit card account to a customer, the credit card account number having an associated banking identification number (BIN) and a sub-BIN; and maintaining, by the processor, the issued credit card account number even when the predetermined feature set is modified thereby avoiding re-issuing another credit card number, BIN, or sub-BIN to the customer; and indicating, by the processor, literature to be included with the credit card based upon the tracking number. ### Claim 26 (depends on 1) A method of managing feature sets, as recited in claim 1, wherein the tracking number is used to identify a particular tracking literature to accompany a credit card assigned with at least one of the plurality of credit card account numbers when the credit card is shipped to the consumer, the tracking number further used to identify issuer of the credit card, disclosures accompanying the credit card, recordings/behavior recording or behavior that the cardholder of the credit card encounters when using an interactive voice response (IVR) system by phone, or how a call is answered and processed by human operators at a call center. ### Claim 27 (depends on 1) A method of managing feature sets, as recited in claim 1, wherein the credit card number associated with the predetermined feature set varies. ### Claim 28 (depends on 1) A method of managing feature sets, as recited in claim 1, wherein the credit card number is a range of credit card numbers.