Online card activation system and method
DCFirst Claim
1. A method for processing a card through a computer network, the steps comprising:
- a) providing a notice to a consumer to activate a card on a site on first computing system in communication with a second computing system over a first network;
b) instructing the consumer to access the site;
c) prompting the consumer to provide predetermined card information, personal information for use in identifying the consumer, and authentication and service data, when available, to the site and communicating the predetermined card information to the second computing system over the first network;
d) processing, by the second computing system, the predetermined card information, the personal information, and authentication and service data, when available against previously stored account data in order to activate the card and generating processing results; and
e) notifying the consumer on the first computing network of the processing results, wherein the authentication and service data includes information in addition to and different from information identifying the consumer, and wherein the personal information is different from the predetermined card information.
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Litigations
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Accused Products
Abstract
A method for online account activation between a consumer having an account with a service provider interacting with at least a first computing system and a second computing system in communication with the first computing system over the first network, the method including, in one embodiment, providing a notice to the consumer to activate an account (e.g., a new card or account, a renewal card or account, a replacement card or account, or web-based service) on a network-accessible site, instructing the consumer to access the site, prompting the consumer to provide predetermined card or account information to the site and communicating the predetermined card or account information to the second computing system over the first network, allowing the at least second computing system to process the predetermined card or account information against previously stored account data and notifying the consumer on the first computing network of the activation processing results.
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Citations
48 Claims
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1. A method for processing a card through a computer network, the steps comprising:
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a) providing a notice to a consumer to activate a card on a site on first computing system in communication with a second computing system over a first network;
b) instructing the consumer to access the site;
c) prompting the consumer to provide predetermined card information, personal information for use in identifying the consumer, and authentication and service data, when available, to the site and communicating the predetermined card information to the second computing system over the first network;
d) processing, by the second computing system, the predetermined card information, the personal information, and authentication and service data, when available against previously stored account data in order to activate the card and generating processing results; and
e) notifying the consumer on the first computing network of the processing results, wherein the authentication and service data includes information in addition to and different from information identifying the consumer, and wherein the personal information is different from the predetermined card information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of activating a card through a global computer network comprising the steps of:
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a) issuing a notice to a cardholder to activate a card on a first computing system in communication with the global computer network by a first network;
b) promoting the cardholder to use the first computing system to access a site on a second computing system on the global computer network;
c) prompting the cardholder to provide predetermined card information, personal information for use in identifying the cardholder, and authentication and service data, when available, to the site and communicating the predetermined card information, and authentication and service data, when available, to the global computer network through the first network;
d) allowing the global computer network to process the predetermined card information and the personal information to generate activation results; and
e) transmitting the activation results to the cardholder on the first computing network, wherein the authentication and service data includes information in addition to and different from information identifying the cardholder, and wherein the personal information is different from the predetermined card information. - View Dependent Claims (12, 13, 14, 15)
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16. A method of activating a financial transaction card through a provider site on a global computer network, the method comprising the steps of:
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a) providing a cardholder-accessible network having an interactive card activation web site in communication with a cardholder'"'"'s computer system;
b) instructing the cardholder to access the web site through the computer system and provide predetermined card information, personal information for use in identifying the cardholder, and authentication and service data, when available, corresponding to the cardholder'"'"'s account with the provider;
c) allowing the computer system to process the predetermined card information, the personal information, and authentication and service data, when available, through the global computer network to a second computing system, the second computing system processing the predetermined card information and generating activation results; and
d) transmitting the activation results to the cardholder over the first computing network to the computing system, wherein the authentication and service data includes information in addition to and different from information identifying the cardholder, and wherein the personal information is different from the predetermined card information. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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23. A method for activating a card through a computer network, the steps comprising:
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a) prompting a cardholder to provide predetermined card information, personal information for use in identifying the cardholder, and authentication and service data, when available, to a site on a first computing system in communication with a second computing system over a first network and communicating the predetermined card information, and authentication and service data, when available, to the second computing system over the first network;
b) processing, by the second computing system, the predetermined card information, the personal information, and authentication and service data, when available, against previously stored account data in order to activate the card defining processing results; and
c) notifying the cardholder on the first computing network of the processing results, wherein the authentication and service data includes information in addition to and different from information identifying the cardholder, and wherein the personal information is different from the predetermined card information. - View Dependent Claims (24, 25, 26)
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27. A method for activating a financial card through a computer network, the steps comprising:
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a) entering predetermined card information, personal information for use in identifying a cardholder, and authentication and service data, when available, on a first computing system into a site on at least one second computing system, the first computing system in communication with the second computing system over a first network; and
b) receiving activation results on the first computing system from the second computing system, the activation results generated by the second computing system by processing the predetermined card information, the personal information, and authentication and service data, when available, wherein the authentication and service data includes information in addition to and different from information identifying a cardholder for the financial card, and wherein the personal information is different from the predetermined card information. - View Dependent Claims (28, 29)
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30. A method for activating a card by a cardholder through a first computing system in communication with a second computing system over a computer network, the method comprising the steps of:
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a) offering a notice to the cardholder to activate the card on the first computing system and allowing the cardholder to access an site generated by the second computing system, the site located on the computer network;
b) prompting the cardholder to provide predetermined card information, personal information for use in identifying the cardholder, and authentication and service data, when available, to the site and communicating the card information to the second computing system via the computer network;
c) allowing the second computing system to process the card information, the personal information, and authentication and service data, when available, by comparing the card information to previously stored account data;
d) evaluating whether the card information, and authentication service data, when available, passes predetermined fraud processing rules;
e) determining whether the card information corresponds to a pre-existing provider service;
f) authenticating the card if the card information, and authentication and service data, when available, passes predetermined fraud processing rules;
g) generating activation results based on any of steps c-f; and
h) notifying the cardholder on the first computing system of the activation results, wherein the authentication and service data includes information in addition to and different from information identifying the cardholder, and wherein the personal information is different from the predetermined card information. - View Dependent Claims (31, 32, 33, 34)
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35. A method of activating a device through a provider site on a global computer network, the method comprising the steps of:
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a) providing a consumer-accessible network having an interactive device activation web site in communication with a consumer'"'"'s computer system;
b) instructing the consumer to access the web site through the computer system and provide predetermined device information, personal information for use in identifying the consumer, and authentication and service data, when available, corresponding to the consumer'"'"'s account with the provider;
c) allowing the computer system to process the predetermined device information, the personal information, and authentication and service data, when available, through the global computer network to a second computing system, the second computing system processing the predetermined device information, and authentication and service data, when available, and generating activation results; and
d) transmitting the activation results to the consumer over the first computing network to the computing system, wherein the authentication and service data includes information in addition to and different from information identifying the consumer, and wherein the personal information is different from the predetermined device information. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43, 44)
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45. A method of activating a consumer account through a provider site on a global computer network, the method comprising the steps of:
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a) providing a consumer-accessible network having an interactive account activation web site in communication with the consumer'"'"'s computer system;
b) instructing the consumer to access the web site through the computer system and provide predetermined account information corresponding to the consumer'"'"'s account with the provider, the account information including card information, personal information for use in identifying the consumer, and authentication and service data, when available;
c) allowing the computer system to process the predetermined account information through the global computer network to a second computing system, the second computing system processing the predetermined account information and generating activation results; and
d) transmitting the activation results to the consumer over the first computing network to the computing system, wherein the authentication and service data includes information in addition to and different from information identifying the consumer, and wherein the personal information is different from the card information. - View Dependent Claims (46, 47, 48)
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Specification