×

Method and apparatus for detecting and investigating fraudulent transactions in debit and charge card activations

  • US 6,488,206 B1
  • Filed: 10/20/2000
  • Issued: 12/03/2002
  • Est. Priority Date: 10/22/1999
  • Status: Expired due to Term
First Claim
Patent Images

1. A method of activating a payment card, the method comprisingcreating a cardholder record based on information from a cardholder application, the cardholder record including card identity and cardholder information;

  • receiving a card activation request;

    starting a session and issuing a first query in response to the activation request;

    receiving card identity information in response to issuing a first query;

    starting a card identity information attempt tracking mechanism;

    verifying the validity of the card identity information;

    reissuing the first query if the card identity information is invalid and a limit of the card identity tracking mechanism has not been exceeded;

    issuing an error message and ending the session if a limit of the card identity tracking mechanism has been exceeded; and

    if the card identity information is valid issuing a second query requesting cardholder information;

    starting a cardholder information attempt tracking mechanism;

    verifying the validity of the cardholder information;

    reissuing the second query if the cardholder information is invalid and a limit of the cardholder information attempt tracking mechanism has not been exceeded; and

    issuing an error message and ending the session if the limit of the cardholder information tracking mechanism has been exceeded; and

    if the cardholder information is valid, issuing a card activation message.

View all claims
  • 3 Assignments
Timeline View
Assignment View
    ×
    ×