Patent ID: 8579192

Claim:
At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one computer cause the at least one computer to carry out a method comprising: (a) operating the at least one computer to cause at least one notification message to be sent to a personal mobile device of a customer having a customer account with a financial entity associated with the at least one computer, wherein the at least one notification message provides information that the customer account has been deactivated by the financial entity as a result of suspicious activity involving the customer account, wherein when the customer account is deactivated, the customer account has a non active status, wherein while the customer account has the non active status, the customer account remains open but transactions attempted therewith are prevented from being approved by the financial entity; (b) subsequent to (a), operating the at least one computer to receive at least one reactivation message sent from the personal mobile device, wherein the at least one reactivation message includes a request that the customer account be reactivated, wherein the at least one reactivation message includes verification data usable to verify that the customer is a person authorized to reactivate the customer account, wherein the at least one reactivation message is independently received by the at least one computer without any intermediate assistance provided by a human service provider to either the customer or the at least one computer; (c) automatically operating the at least one computer responsive at least in part to (b), to cause the customer account to be reactivated, wherein when the customer account is reactivated, the customer account has an active status, wherein while the customer account has the active status, transactions attempted therewith are allowed to be approved by the financial entity; and (d) operating the at least one computer subsequent to (c) and while the customer account retains the active status, to allow at least one transaction attempted with the customer account to be approved by the financial entity.