Cards deployed with inactivated products for activation

• US 9,064,255 B1
• Filed: 05/09/2014
• Issued: 06/23/2015
• Est. Priority Date: 06/23/2009
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Yen, Philip W., Rigatti, Christopher J.
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US14/273,969
• Time in Patent Office: 410 Days
• Field of Search: 235/380
• US Class Current: 1/1
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07F 7/0833 Card having specific functional components

Abstract

A payment card is provided with a display. A card may be provided to a user with a number of inactivated products. The products may be assigned to the user at card issuance. A user may then activate these products online or via phone. Accordingly, a user may be provided with a cross-selling platform for new products. Discounts, fee waivers, and/or value may be added to an account when an inactivated product is activated.

Claims

1. A method, comprising:

receiving, by a server, an authorization activation code; and

communicating, by the server, a payment product activation code in response to the receiving an authorization activation code.

2. The method of claim 1, wherein the authorization activation code is received from a payment device;

and

the communicating a payment product activation code includes communicating the payment product activation code to the payment device.

3. The method of claim 1, wherein the authorization code is received from an activation server.

4. The method of claim 1, further comprising:

communicating, by the server, authorization server activation information in response to the receiving an authorization activation code.

5. The method of claim 1, further comprising:

communicating, by the server, authorization server activation information to a plurality of authorization servers in response to the receiving an authorization activation code.

6. The method of claim 1, further comprising:

activating at least one authorization server in response to the receiving an authorization activation code.

7. The method of claim 1, further comprising:

activating a plurality of authorization servers in response to the receiving an authorization activation code.

8. The method of claim 1, further comprising:

activating, in response to the receiving an authorization activation code, at least one authorization server to perform authorization of payments associated with a payment product.

9. The method of claim 1, further comprising:

activating, in response to the receiving an authorization activation code, a plurality of authorization servers to perform authorization of payments associated with a payment product.

10. The method of claim 1, further comprising:

activating, in response to the receiving an authorization activation code, at least one authorization server to utilize a payment product to authorize purchase transactions.

11. The method of claim 1, further comprising:

activating, in response to the receiving an authorization activation code, a plurality of authorization servers to utilize a payment product to authorize purchase transactions.

12. The method of claim 1, further comprising:

activating, in response to the receiving an authorization activation code, at least one authorization server to utilize a payment product associated with the payment product activation code to authorize purchase transactions.

13. The method of claim 1, further comprising:

activating, in response to the receiving an authorization activation code, a plurality of authorization servers to utilize a payment product associated with the payment product activation code to authorize purchase transactions.

14. The method of claim 1, further comprising:

updating, in response to the receiving an authorization activation code, at least one authorization server with payment product activation information.

15. The method of claim 1, further comprising:

updating, in response to the receiving an authorization activation code, a plurality of authorization servers with payment product activation information.

16. The method of claim 1, further comprising:

updating, in response to the receiving an authorization activation code, at least one authorization server with payment product activation information associated with the payment product activation code.

17. The method of claim 1, further comprising:

updating, in response to the receiving an authorization activation code, a plurality of authorization servers with payment product activation information associated with the payment product activation code.