Method and system for account activation
View Patent ↗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.
1. A method of activating a prepaid account using an existing electronic funds transfer network, including a point-of-sale (POS) terminal, debit/credit card processing infrastructure and an account issuer authorization center, the method comprising the steps of:
obtaining identification data concerning the account to be activated at the POS terminal;
sending an activation request message, including the obtained identification data, from the POS terminal, through the card processing infrastructure to the account issuer authorization processing center;
receiving the activation request message at the account issuer authorization processing center, deciding whether or not to activate the account and, if the decision is to activate the account, generating a response code based upon the decision to activate the account, 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 from the account issuer authorization processing center through the card processing infrastructure to the POS terminal; and
receiving the response code at the POS terminal, decoding the response code and confirming at the POS terminal that the account has been activated.
2. The method as recited in claim 1 , wherein the identification data is obtained from a card associated with the account to be activated by reading the data from a portion of the card where the data is stored.
3. The method as recited in claim 2 , wherein the card is read by swiping the card through a magnetic stripe reader at the POS terminal.
4. The method as recited in claim 1 , wherein the activation request message includes a value for which activation of the account is requested.
5. The method as recited in claim 1 , wherein an activation status of the account is displayed at the POS terminal.
6. The method as recited in claim 1 , wherein the response code is an information code.
7. A method of activating a prepaid card using an existing electronic funds transfer network, including a point-of-sale (POS) terminal, debit/credit card processing infrastructure and an account issuer authorization center, the method comprising the steps of:
obtaining identification data from the card to be activated at the POS terminal;
sending an activation request message, including the identification data obtained from the card, from the POS terminal, through the card processing infrastructure to the account issuer authorization processing center;
receiving the activation request message at the account issuer authorization processing center, deciding whether or not to activate the card and, if the decision is to activate the account, generating a response code based upon the decision to activate the account, 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 from the account issuer authorization processing center through the card processing infrastructure to the POS terminal; and
receiving the response code at the POS terminal, decoding the response code and confirming at the POS terminal that the account has been activated.
8. The method as recited in claim 7 , wherein the card comprises a prepaid telephone card.
9. The method as recited in claim 7 , wherein the card comprise a prepaid gift card.
10. The method as recited in claim 7 , wherein the identification data is obtained from a card by reading the data from a portion of the card where the data is stored.
11. The method as recited in claim 7 , wherein the card is read by swiping the card through a magnetic stripe reader at the POS terminal.
12. The method as recited in claim 7 , wherein the activation request message includes a value for which activation of the prepaid card is requested.
13. The method as recited in claim 7 , wherein an activation status of the card is displayed at the POS terminal.
14. The method as recited in claim 7 , wherein the response code is an information code.