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System and method for locking and unlocking a financial account card

  • US 20070045403A1
  • Filed: 08/31/2005
  • Published: 03/01/2007
  • Est. Priority Date: 08/31/2005
  • Status: Active Grant
First Claim
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1. A system for locking and unlocking a financial account card, comprising:

  • a card processor implemented in a computer system, coupled to a delivery channel, and adapted to (a) receive card identifying information, a request to perform a card lock operation, and a request to perform a card unlock operation via the delivery channel;

    (b) authenticate the card identifying information;

    (c) in response to a request to perform a card lock operation to (i) verify that the card to be locked currently is in an operable state;

    (ii) save the operable state of the card;

    (iii) lock the card by changing the current state of the card to a locked state whereby use of the card is prevented;

    (d) in response to a request to perform a card unlock operation to (iv) verify that the card to be unlocked currently is in a locked state;

    (v) retrieve the saved operable state of the card;

    (vi) unlock the card by changing the current state of the card to the retrieved saved operable state of the card; and

    (e) send a response message via the delivery channel indicating that the request to perform a card lock operation or the request to perform a card unlock operation has been received.

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