Patent ID: 6488206
Filing Date: 2002-12-03
Classification: G06Q,G07F

Abstract:
A method of activating a payment card, the method comprisingcreating a cardholder record based on information from a cardholder application, the cardholder record including card identity and cardholder information; receiving a card activation request; starting a session and issuing a first query in response to the activation request; receiving card identity information in response to issuing a first query; starting a card identity information attempt tracking mechanism; verifying the validity of the card identity information; reissuing the first query if the card identity information is invalid and a limit of the card identity tracking mechanism has not been exceeded; issuing an error message and ending the session if a limit of the card identity tracking mechanism has been exceeded; and if the card identity information is valid issuing a second query requesting cardholder information; starting a cardholder information attempt tracking mechanism; verifying the validity of the cardholder information; reissuing the second query if the cardholder information is invalid and a limit of the cardholder information attempt tracking mechanism has not been exceeded; and issuing an error message and ending the session if the limit of the cardholder information tracking mechanism has been exceeded; and if the cardholder information is valid, issuing a card activation message.