Recurring Charge Source Updates for New Card Numbers

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Solution Overview

Problem

When a credit or debit card is lost or stolen, the cardholder must notify all sources of recurring charges to update the account number, leading to inconvenience and potential suspension of services unless timely notification occurs.

Innovation Solution

A system and method that analyzes card activity to identify recurring charges and automatically or manually notifies selected or all sources of a new card account number, using a change application to manage card updates.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the cardholder manually notifies each source of recurring charges individually, then the new account number can be updated at each source, but the cardholder experiences significant inconvenience and time loss

Engineering Contradiction:

Improvecompletion of account number updatesVSAvoidtime required to notify all sources

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent combines multiple individual notification tasks into a single automated process. The system retrieves all recurring charge sources, presents them in a unified list, and enables the cardholder to notify multiple sources simultaneously through a single selection and communication action, thereby resolving the contradiction between reliable update completion and time consumption

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system enables the cardholder to self-serve by providing automated retrieval of recurring charge sources and streamlined notification capabilities. The cardholder can independently review the list of sources and select which ones to notify without requiring manual intervention from bank staff for each individual source, reducing time loss while maintaining reliable updates

Inventive Principle:

Principle #25Self-service

2Reliability

If the cardholder notifies all sources of the new account number, then service continuation is ensured, but the cardholder must invest significant effort in identifying and contacting each source

Engineering Contradiction:

Improveservice continuationVSAvoideffort to update all sources

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system allows the cardholder to self-serve by providing automated retrieval of recurring charge sources and streamlined notification capabilities. The cardholder can independently review the list of sources and select which ones to notify without requiring manual intervention from bank staff for each individual source, reducing time loss while maintaining reliable updates

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The bank's system acts as an intermediary between the cardholder and the recurring charge sources. Instead of the cardholder directly contacting each source, the bank retrieves the list of sources, presents them to the cardholder for selection, and then communicates the new account number to the selected sources on the cardholder's behalf, significantly reducing the cardholder's operational effort while ensuring service continuation

Inventive Principle:

Principle #24Intermediary (Mediator)

3Ease of operation

If the cardholder does not notify sources of the new account number, then the cardholder avoids the inconvenience of updating, but services may be suspended due to failed charges

Engineering Contradiction:

Improveavoidance of update effortVSAvoidservice continuity

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The system performs preliminary action by automatically retrieving and presenting the list of recurring charge sources to the cardholder immediately after a new account number is issued. This allows the cardholder to proactively select and notify sources before any charge failures occur, maintaining service continuity without requiring reactive responses to suspended services

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system provides feedback to the cardholder by displaying the list of recurring charge sources that will be notified. This feedback mechanism allows the cardholder to review which sources will receive the new account number information, enabling informed decision-making about which sources to notify while ensuring that critical services are updated to maintain continuity

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20260024133A1Managing changes within database file environments

Publication Date: 2026.01.22 TRUIST BANK

AI summary

A system and method managing changes within a database file environment include: a communication device operated by a user; a processor and a non-transitory storage device; and a change application stored in the storage device. The application causes the processor to: receive from the user via the communication device an active file number report being associated with a file stored in the storage device; process the report and generate a new file number; analyze activity information associated with the active file number, the activity information being stored in the file in the storage device, and generate a list of sources of recurring charges in the activity information; send the list of sources to the communication device and receive from the communication device a selection of at least one of the sources; and send a message to the at least one source, the message including the new file number.