Method and system for distribution of unactivated bank account cards
First Claim
Patent Images
1. A method for distributing bank cards, comprising:
- identifying, by at least one processor, a pool of potential new bank deposit account holders for a bank;
determining, by said at least one processor, if a person from the pool is an existing bank deposit account holder;
determining, by said at least one processor, whether the person is eligible for opening a new bank deposit account if the person is not an existing bank account holder;
creating an dead bank card comprising a dead deposit card associated with an inactive deposit account comprising a checking account or a savings account, the dead bank card and the inactive deposit account being unsolicited, the dead bank card including embossed information and magnetic stripe information specific to the person; and
distributing the dead bank card from the issuing bank to the person.
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0 Petitions
Accused Products
Abstract
The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
461 Citations
37 Claims
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1. A method for distributing bank cards, comprising:
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identifying, by at least one processor, a pool of potential new bank deposit account holders for a bank; determining, by said at least one processor, if a person from the pool is an existing bank deposit account holder; determining, by said at least one processor, whether the person is eligible for opening a new bank deposit account if the person is not an existing bank account holder; creating an dead bank card comprising a dead deposit card associated with an inactive deposit account comprising a checking account or a savings account, the dead bank card and the inactive deposit account being unsolicited, the dead bank card including embossed information and magnetic stripe information specific to the person; and distributing the dead bank card from the issuing bank to the person. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 37)
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17. A method of distributing bank cards, comprising:
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receiving, via a communication interface, a customer application for a credit card to be issued by a bank; processing, by at least one processor, the application to determine a decision on the credit card; determining, by said at least one processor, whether the customer is an existing bank deposit account holder of the bank; distributing a live credit card to the customer if the application is approved and the customer is an existing bank deposit account holder; and distributing a live credit card and an unsolicited dead bank card comprising a dead deposit card associated with an inactive deposit account comprising a checking account or a savings account from the issuing bank to the customer if the application is approved and the customer is not an existing bank deposit account holder; the dead deposit card and inactive deposit account being unsolicited and the dead bank card being delivered with embossed information and magnetic stripe information specific to the person. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A method of distributing solicited credit cards and unsolicited bank cards, comprising:
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receiving, via a communication interface, from a customer an application for a credit card to be issued by a bank; processing the application by at least one processor; determining, by said at least one processor, if the customer is an existing bank deposit account holder with the bank; distributing a live credit card to the customer if the application is approved and the customer is already an existing bank deposit account holder; distributing a live credit card and an unsolicited dead bank card comprising a dead deposit card associated with an inactive deposit account comprising a checking account or a savings account from the issuing bank to the customer if the application is approved and the customer is not an existing bank deposit account holder; the dead deposit card and inactive deposit account being unsolicited and the dead bank card being delivered with embossed information and magnetic stripe information specific to the person; and processing a customer response to the dead bank card. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36)
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Specification