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US 8,275,713 B2Granted
Prepaid transaction card activation system and method
AssigneeAmerican Express Travel Related Services Company, Inc.
InventorsNicole Milne Vollmer, Lance Lewis, Elizabeth Gwen Webb
Life of this patent
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Abstract
Reloadable or non-reloadable prepaid transaction card activation systems are disclosed. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards and capture of customer demographic information, and verification of that information, after the customer has obtained or has been issued a prepaid transaction card. The data capture is performed at activation rather than at point of sale.
Claims18
A non-transitory, tangible computer-readable storage medium storing computer code that, when executed by a computer-based system for managing a prepaid transaction account, causes the computer-based system to perform operations comprising:
- determining, by the computer-based system, if customer information is associated with the prepaid transaction account;
- in response to no customer information being associated with the prepaid transaction account:
- capturing, by the computer-based system, customer information to form captured customer information;
- and
- validating, by the computer-based system, the captured customer information by comparing the captured customer information with first information in a first database, and by comparing the captured customer information with customer demographic information in a second database;
- in response to the customer information being associated with the prepaid transaction account:
- validating, by the computer-based system, the customer information by comparing the customer information with customer demographic information in the second database;
- terminating, by the computer-based system, an activation process, in response to the customer information being on a stored list of flanged information;
- and
- activating, by the computer-based system, the prepaid transaction account in response to the validating, and in response to the customer information not being on the stored list of flagged information.
7 more elements
A method comprising:
- determining, by a computer-based system for managing a prepaid transaction account, if customer information is associated with the prepaid transaction account;
- in response to no customer information being associated with the prepaid transaction account:
- capturing, by the computer-based system, customer information to form captured customer information;
- and
- validating, by the computer-based system, the captured customer information by comparing the captured customer information with first information in a first database, and by comparing the captured customer information with customer demographic information in a second database;
- in response to the customer information being associated with the prepaid transaction account:
- validating. by the computer-based system, the customer information by comparing the customer information with customer demographic information in the second database;
- terminating, the computer-based system, an activation process, in response to the customer information being on a stored list of flagged information;
- and
- activating, by the computer-based system, the prepaid transaction account in response to the validating, and in response to the customer information not being on the stored list of flagged information.
7 more elements
A prepaid transaction account activation system comprising:
- a prepaid transaction account having identity information;
- a processor for managing an incentive program;
- and
- a non-transitory memory storing computer code that, when executed by the processor, causes the processor to perform operations comprising:
- determining, by the processor, if customer information is associated with the prepaid transaction account;
- in response to no customer information being associated with the prepaid transaction account:
- capturing, by the processor, customer information to form captured customer information;
- and
- validating, by the processor, the captured customer information by comparing the captured customer information with first information in a first database, and by comparing the captured customer information with customer demographic information in a second database;
- in response to the customer information being associated with the prepaid transaction account:
- validating, by the processor, the customer information by comparing the customer information with customer demographic information in the second database;
- terminating, by the processor, an activation process, in response to the customer information being on a stored list of flagged information;
- and
- activating, by the processor, the prepaid transaction account in response to the validating, and in response to the customer information not being on the stored list of flagged information.
11 more elements
Dependencies are inferred from the claim text.