METHOD FOR AUTHORIZING THE ACTIVATION OF A SPENDING CARD

• US 20120296818A1
• Filed: 05/17/2011
• Published: 11/22/2012
• Est. Priority Date: 05/17/2011
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: NUZZI, Frank Anthony, Sivaraman, Sridhar
• Application Number:
  US13/109,257
• Publication Number:
  US 20120296818A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]

Abstract

A method of authorizing the activation of a card holder'"'"'s spending card is provided. The method includes receiving a request from the card holder to authorize the activation of the spending card and then requesting identity verification of the card holder. Following the identity verification request, the method includes obtaining a geographic location of the card holder. After determining the geographic location of the card holder, the method may include temporarily activating the deactivated spending card and instructing the card holder to conduct at least one transaction with the spending card at at least one selected location, wherein the selected location is selected based on the geographic location of the card holder. Spending card activity may be monitored to determine whether the at least one transaction was completed, and, based on whether the at least one transaction was completed, the activation of the spending card may be authorized.

Claims

1. A method of authorizing the activation of a card holder'"'"'s spending card, comprising:

receiving a request from the card holder to authorize the activation of the spending card, the request being initiated from a communication device of the card holder coupled to a network;

requesting identity verification of the card holder; and

obtaining a geographic location of the card holder.

2. The method of claim 1, further comprising:

determining whether the obtained geographic location matches a known location of the card holder; and

authorizing the activation of the card holder'"'"'s spending card if the obtained geographic location matches a known location of the card holder.

3. The method of claim 1, further comprising:

temporarily activating the deactivated spending card;

instructing the card holder to conduct at least one transaction with the spending card at least one selected location, wherein the selected location is selected based on the geographic location of the card holder;

monitoring spending card activity;

determining, based on the monitored spending card activity, whether the at least one transaction was completed; and

determining, based on whether the at least one transaction was completed, whether to authorize the activation of the spending card.

4. The method of claim 1, wherein receiving a request from the card holder comprises at least one of:

receiving a phone call from the card holder;

receiving a short messaging service (SMS) message from the card holder;

receiving an instant message sent over a network from the card holder;

receiving a video message sent over the network from the card holder; and

receiving the request over the network as data packets transmitted by an application stored in a memory of the communication device and being executed by a processor of the communication device.

5. The method of claim 1, wherein requesting identity verification of the card holder comprises:

requesting visual evidence of the card holder with the spending card; and

receiving the visual evidence over the network.

6. The method of claim 1, wherein obtaining a geographic location of the card holder comprises obtaining the geographic location from the communication device.

7. The method of claim 6, wherein obtaining the geographic location from the communication device comprises at least one of:

obtaining the geographic location by tracing a global positioning system (GPS) receiver in the communication device; and

requesting that the card holder transmit the geographic location over the network.

8. The method of claim 7, wherein obtaining the geographic location from the communication device comprises obtaining the geographical location as metadata embedded in a digital photograph received from the card holder in response to the request for identity verification.

9. The method of claim 1, wherein the communication device comprises at least one of a smart phone, a camera, a tablet computer, a netbook, a personal computer, a telephone, and a laptop computer, and the network comprises at least one of a wired data packet network, a wireless data packet network, a wireless voice packet network and a wired voice packet network.

10. The method of claim 1, wherein:

the communication device comprises a smart phone and receiving a request from the card holder comprises at least one of;

receiving a phone call from the card holder using the smart phone;

receiving a short messaging service (SMS) message from the card holder using the smart phone;

receiving an instant message over the network from the card holder using the smart phone;

receiving a video message over the network from the card holder using the smart phone; and

receiving the request over the network initiated by an application stored in a memory of the smart phone and being executed by a processor of the smart phone.

11. A method for requesting the authorization of the activation of a spending card, comprising:

requesting, using a communication device coupled to a communication network, a card issuer to authorize activation of the spending card;

transmitting, using the communication device, identity verification information to the card issuer; and

transmitting, using the communication device, a current geographic location to the card issuer.

12. The method of claim 11, further comprising:

receiving, using the communication device, instructions for conducting at least one transaction using the spending card at at least one selected location, the at least one selected location being selected based on the current geographic location.

13. The method of claim 11, wherein requesting a card issuer to authorize activation of the spending card comprises at least one of:

making a phone call to the card issuer;

sending a short messaging service (SMS) message to the card issuer;

sending an instant message over a network to the card issuer;

sending a video message over the network to the card issuer; and

transmitting the request over the network, the request being initiated by an application stored in a memory of the communication device and being executed by a processor of the communication device.

14. The method of claim 11, wherein transmitting identity verification information comprises:

obtaining visual evidence of the spending card; and

transmitting the visual evidence to the card issuer using the communication device.

15. The method of claim 11, wherein transmitting a current geographical location to the card issuer comprises:

determining the current geographical location using a global positioning system (GPS)-capable device; and

transmitting the current geographical location using the communication device.

16. The method of claim 11, wherein the communication device is a smart phone having a global positioning system (GPS) receiver and a digital camera, and wherein:

requesting a card issuer to authorizing activation of a spending card comprises contacting, using the smart phone, the card issuer;

transmitting identification information to the card issuer comprises taking a digital photograph of the spending card using the digital camera of the smart phone, and transmitting the digital photograph to the card issuer using the smart phone; and

transmitting a current geographical location to the card issuer comprises determining the current geographical location using the GPS receiver of the smart phone and transmitting the geographical location using the smart phone.

17. The method of claim 16, wherein the current geographical location is embedded in metadata of the digital photograph.

18. The method of claim 16, wherein requesting a card issuer to authorize activation of the spending card comprises at least one of:

making a phone call to the card issuer using the smart phone;

sending a short messaging service (SMS) message to the card issuer using the smart phone;

sending an instant message over a network to the card issuer using the smart phone;

sending a video message over the network to the card issuer using the smart phone; and

transmitting the request over the network, the request being initiated by an application stored in a memory of the smart phone and being executed by a processor of the smart phone.

19. The method of claim 11, wherein the communication device comprises one of a smart phone, a camera, a tablet computer, a netbook, a personal computer, a telephone, and a laptop computer.

20. A smart phone comprising a global positioning system (GPS) receiver, a camera, a processor, and a memory, the memory including instructions for execution by the processor that, when executed, instruct the processor to perform a method for requesting the activation of a spending card, comprising:

requesting, using the smart phone, a card issuer to activate the spending card;

obtaining, using the camera, a digital photograph of the spending card;

transmitting, using the smart phone, the digital photograph to the card issuer;

obtaining, using the GPS receiver, a current geographical location; and

transmitting, using the smart phone, the current geographic location to the card issuer.

22. The method of claim 20, wherein the current geographic location is embedded in metadata of the digital photograph.

23. The method of claim 20, wherein requesting a card issuer to reactivate the deactivated spending card comprises at least one of:

making a phone call to the card issuer using the smart phone;

sending a short messaging service (SMS) message to the card issuer using the smart phone;

sending an instant message over a network to the card issuer using the smart phone;

sending a video message over the network to the card issuer using the smart phone; and

transmitting the request over the network.

21. The method of claim 21, further comprising:

receiving, using the smart phone, instructions for conducting at least one transaction using the spending card at at least one selected location, the at least one selected location being selected based on the current geographic location.

24. The method of claim 21, wherein receiving instructions for conducting at least one transaction using the spending card at at least one selected location comprises:

receiving instructions for conducting transactions at a plurality of locations, the instructions providing a predetermined order in which to conduct the transactions; and

receiving, by the smart phone, the geographical locations of the plurality of locations.