RETURN PAYMENT CARD PROCESS
First Claim
1. A computer method comprising:
- receiving a card number at a computer of a card administration system for a returned payment card comprising a payment card that was intended for use in connection with a cardholder account having a current payment card;
determining that the card number of the returned payment card is associated with an upgrade card or a replacement card in a card database of the card administration system;
setting a “
returned”
indicator of a data record for the returned payment card in the card database of the card administration system and indicating that the returned payment card is to be destroyed, and maintaining a status of the current payment card in the card database without change;
generating data for producing a return-replacement payment card associated with the cardholder account if updated profile information of the cardholder account is received at the computer of the card administration system within a predetermined time period, and closing the cardholder account and returning any funds in the cardholder account if no updated profile information of the cardholder account is received within the predetermined time period.
1 Assignment
0 Petitions
Accused Products
Abstract
A payment card returned as undeliverable is processed with a card administration system that responds to the return of the payment card by setting a “returned” indicator in a data record of a cardholder to whom the payment card was intended for delivery, and otherwise maintains the cardholder'"'"'s account without change. A card handling system initiates destruction of the returned payment card and provides a replacement payment card to the cardholder if updated profile information of the cardholder is received within a predetermined time period, and closes the cardholder account and returns any funds in the cardholder account if no updated profile information of the cardholder is received within the predetermined time period.
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Citations
12 Claims
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1. A computer method comprising:
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receiving a card number at a computer of a card administration system for a returned payment card comprising a payment card that was intended for use in connection with a cardholder account having a current payment card; determining that the card number of the returned payment card is associated with an upgrade card or a replacement card in a card database of the card administration system; setting a “
returned”
indicator of a data record for the returned payment card in the card database of the card administration system and indicating that the returned payment card is to be destroyed, and maintaining a status of the current payment card in the card database without change;generating data for producing a return-replacement payment card associated with the cardholder account if updated profile information of the cardholder account is received at the computer of the card administration system within a predetermined time period, and closing the cardholder account and returning any funds in the cardholder account if no updated profile information of the cardholder account is received within the predetermined time period. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer system comprising:
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a card administration system computer that receives a card number for a returned payment card comprising a payment card that was intended for use in connection with a cardholder account having a current payment card and determines that the card number of the returned payment card is associated with an upgrade card or a replacement card in a card database of the card administration system, and sets a “
returned”
indicator of a data record for the returned payment card in the card database of the card administration system and indicating that the returned payment card is to be destroyed, and maintains a status of the current payment card in the card database of the card administration system without change; anda database system that is operatively coupled to the card administration system computer and comprises the card database; wherein the card administration system computer generates data for producing a return-replacement payment card associated with the cardholder account if updated profile information of the cardholder account is received within a predetermined time period, and generates data for closing the cardholder account and returning any funds in the cardholder account if no updated profile information of the cardholder account is received within the predetermined time period. - View Dependent Claims (8, 9, 10, 11, 12)
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Specification