Systems and methods for remote account control

Details Systems and methods for remote account control Systems and methods for remote account control

2007-06-12

2007-06-12

Lee, Michael G. (Department: 2876)

Registers

Systems controlled by data bearing records

C705S044000

Reexamination Certificate

active

11130131

ABSTRACT:
Systems and methods for remotely causing a request for authorization to charge a card, that is otherwise active, to be denied. In one embodiment, an access controller receives a call from a card holder and analyzes ANI and DNIS data received during call setup for the call to select a card account and an action (e.g., turn account OFF) to be taken with respect to the card account. The access controller formulates and sends a message to an account authorization processing system to cause the account authorization processing system to thereafter deny requests for authorization to charge the card account. A subsequent call to the access controller from the same caller (i.e., a same ANI) will reverse account closure and allow card authorization to proceed. Feedback, in the form of an Instant Message (IM), email, or audible signal (busy, ringing) when making the call, may be provided to indicate the success of a change to the state of the account. Embodiments that do not rely on PSTN infrastructure are also disclosed.

REFERENCES:
patent: 5357563 (1994-10-01), Hamilton et al.
patent: 6836765 (2004-12-01), Sussman
patent: 6853987 (2005-02-01), Cook
patent: 7031939 (2006-04-01), Gallagher et al.
International Search Report & Written Opinion, May 17, 2005.

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