Presentation instrument with user-created pin
First Claim
1. A method for activating a presentation instrument using a computerized network, the presentation instrument having a pre-sold state in which the presentation instrument has not yet been sold, a sold state in which the instrument has been purchased but is not yet active, and an active state in which the presentation instrument has been activated, the method comprising:
- providing a presentation instrument package comprising a presentation instrument in a pre-sold state coupled to a carrier;
reading a package identifier on the presentation instrument package and transmitting the package identifier to the host computer system to indicate that the presentation instrument has been purchased;
removing the presentation instrument from the carrier;
transmitting an access code and a presentation instrument identifier obtained from the presentation instrument to the host computer system to activate the presentation instrument;
selecting a personal identifier;
transmitting the personal identifier to the host computer system.
9 Assignments
0 Petitions
Accused Products
Abstract
In one embodiment, the invention provides a method for activating a presentation instrument using a computerized network. The method utilizes a presentation instrument package that comprises a presentation instrument that is coupled to a carrier. A package identifier on the presentation instrument package is read and transmitted to a host computer system to indicate that the presentation instrument has been purchased. After being purchased, the presentation instrument may be removed from the carrier. To activate the presentation instrument, an access code and a presentation instrument identifier obtained from the presentation instrument may be provided to the host computer system via an IVR unit. Also, the recipient may select a personal identifier to associate with the presentation instrument. The personal identifier may be transmitted to the host computer system for storage.
50 Citations
22 Claims
-
1. A method for activating a presentation instrument using a computerized network, the presentation instrument having a pre-sold state in which the presentation instrument has not yet been sold, a sold state in which the instrument has been purchased but is not yet active, and an active state in which the presentation instrument has been activated, the method comprising:
-
providing a presentation instrument package comprising a presentation instrument in a pre-sold state coupled to a carrier; reading a package identifier on the presentation instrument package and transmitting the package identifier to the host computer system to indicate that the presentation instrument has been purchased; removing the presentation instrument from the carrier; transmitting an access code and a presentation instrument identifier obtained from the presentation instrument to the host computer system to activate the presentation instrument; selecting a personal identifier; transmitting the personal identifier to the host computer system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
-
-
14. A method for activating a presentation instrument, comprising:
-
flagging, in a database on a host computer system, a presentation instrument as pre-sold; receiving at the host computer system a package identifier indicating that the presentation instrument has been purchased; flagging the presentation instrument as sold but not yet active; receiving at the host computer system an access code and a presentation instrument identifier from the presentation instrument that has been purchased; receiving a personal identifier and recording the personal identifier in association with the presentation instrument identifier; and flagging the presentation instrument as active. - View Dependent Claims (15)
-
-
16. A computerized presentation instrument activation and processing system, comprising:
a host computer system having at least one processor and at least one database having a record of presentation instrument identifiers and a status of each of the presentation instrument identifiers, wherein the host computer system is configured to flag a presentation instrument as not yet sold, to receive a package identifier indicating that a presentation instrument has been purchased and to flag the presentation instrument as sold but not yet active, and to further receive an access code, a presentation instrument identifier from a presentation instrument that has been purchased and a personal identifier, to record in the database the personal identifier in association with the presentation instrument identifier, and to flag the presentation instrument as active. - View Dependent Claims (17, 18, 19)
-
20. A method for activating a presentation instrument, the method comprising:
-
recording in a database at a host computer system that the presentation instrument has not yet been sold; receiving at the host computer system an indication that the presentation instrument has been purchased; recording in the database that the presentation instrument has been sold and remains inactive; receiving at the host computer system an indication that the presentation instrument is to be activated; and recording in the database that the presentation instrument has been activated.
-
-
21. A method for processing a presentation instrument activation request, the method comprising:
-
receiving at a host computer system a presentation instrument identifier identifying a presentation instrument, and an indication that the presentation instrument is to be activated; accessing, based on the presentation instrument identifier, a database stored on a computer readable medium, the database comprising a recorded status of the presentation instrument; recognizing that the recorded status indicates that the presentation instrument has not been the subject of a sale transaction; and declining to activate the presentation instrument.
-
-
22. A method of processing a purchase transaction approval request, the method, comprising:
-
receiving at a host computer system a purchase transaction approval request comprising a presentation instrument identifier identifying a presentation instrument presented at a point of sale for payment in the purchase transaction; accessing, based on the presentation instrument identifier, a database stored on a computer readable medium, the database comprising a recorded status of the presentation instrument; recognizing that the recorded status indicates that the presentation instrument has not been the subject of a sale transaction; declining to authorize the purchase transaction; and sending a decline message to the point of sale.
-
Specification