Method and system for account activation

Details Method and system for account activation Method and system for account activation

2005-01-04

2005-01-04

Lee, Michael G. (Department: 2876)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C235S379000, C235S382000, C902S022000, C705S001100

Reexamination Certificate

active

06837426

ABSTRACT:
A method of activating a prepaid account uses an existing electronic funds transfer network which includes a point-of-sale (POS) terminal, debit/credit card processing infrastructure and an account issuer authorization center. The method includes obtaining identification data concerning the account to be activated at the POS terminal; sending an activation request from the POS terminal through the card processing infrastructure to the processing center; receiving the activation request message at the processing center, deciding whether or not to activate the account and generating a response code based upon the activation decision, the response code not resulting in the transfer of any funds and being a code other than an approval code or a denial code; sending the response code through the card processing infrastructure to the POS terminal; and receiving the response code at the POS terminal and confirming at the POS terminal that the account has been activated.

REFERENCES:
patent: 5101098 (1992-03-01), Naito
patent: 5352876 (1994-10-01), Watanabe et al.
patent: 5511114 (1996-04-01), Stimson et al.
patent: 5903633 (1999-05-01), Lorsch
patent: 6000608 (1999-12-01), Dorf
patent: 6032859 (2000-03-01), Muehlberger et al.

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