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AssigneeMastercard International Incorporated
InventorsNicole N. Risafi, Burnett D. Hunter, Kevin McKenzie, Janice Wiggins, Brian Stangle
Estimating the term…
A system for using a prepaid card permits a card user to purchase a card, issued by an issuer such as a bank, through an agent at a retail establishment via a terminal, select a PIN, have the card activated at the point of purchase, use the card to purchase goods and services, and reload the card for future use. The system uses a communications network for issuance, activation, and accounting, and activation is accomplished on a real-time basis, either one account at a time or in a batch mode. The card can be used to purchase a wide range of goods and services including telephone services. The card can also be used to make cash withdrawals at an ATM or a point-of-sale terminal.
A method for using a prepaid card having associated card identification data, comprising the following steps:
A method for activating a prepaid card having associated card identification data, said card being issued without a security code, said method comprising the following steps:
A system for using a prepaid card having associated card identification data, said system comprising:
A method for activating a prepaid card having associated card identification data, said card being issued without a security code, said method comprising the following steps:
A method for processing a prepaid card having associated card identification data, said card being issued without a security code, said method comprising the following steps:
A method for providing a transaction system, comprising the steps of:
A method for activating a card, comprising the steps of:
A card transaction system, comprising:
A method for activating a card, comprising the steps of:
A method for processing a card, comprising the steps of:
In a method for using a prepaid card, the improvement comprising:
In a method for activating a prepaid card, the improvement comprising assigning to the card, no earlier than a starting time of a card purchase transaction, personal identification data, the personal identification data being for verifying an identity of an authorized user of the card, wherein a purchaser purchases the card during the card purchase transaction, wherein the card is devoid of a functioning personal identification number after a card issuance time which is earlier than the starting time, and wherein the personal identification data are selected by the purchaser during the card purchase transaction.
In a system for using a prepaid card, the improvement comprising a terminal which transmits personal identification data selected at a selection time by a purchaser of the card, the selection time being during a card purchase transaction during which the card is purchased by the purchaser, wherein the card is devoid of a functioning personal identification number after a card issuance time which is earlier than the selection time, wherein the personal identification data are transmitted no earlier than a starting time of the card purchase transaction, and wherein the personal identification data are for verifying validity of a use of the card for a card transaction.
In a method for activating a prepaid card, the improvement comprising receiving personal identification data selected at a selection time by a purchaser of the card, the selection time being during a card purchase transaction during which the card is purchased by the purchaser, wherein the card is devoid of a functioning personal identification number after a card issuance time which is earlier than the selection time, wherein the personal identification data are received at a receipt time which is no earlier than a starting time of the card purchase transaction, and wherein the personal identification data are for verifying an identity of an authorized user of the card.
In a method for processing a prepaid card, the improvement comprising the steps of:
Dependencies are inferred from the claim text.