Patent ID: 7979351

Claim:
A non-transitory, tangible computer-readable medium storing computer code that, when executed by a computer-based system for activating a prepaid transaction card, causes the computer-based system to perform operations, comprising: receiving identity information identifying the prepaid transaction card; comparing the identity information identifying the prepaid transaction card with corresponding information contained in a first database; determining that the prepaid transaction card is not activated based on the comparing; determining if customer information was associated with the prepaid transaction card during a purchase; in response to no customer information being associated with the prepaid transaction card during the purchase: capturing customer information to form captured customer information, comparing the captured customer information with corresponding information contained in the first database, and validating the captured customer information when a predetermined minimum number of data points within the captured customer information matches with the corresponding information contained in the first database, by comparing the captured customer information with customer demographic information obtained from a second database; in response to customer information being associated with the prepaid transaction card during the purchase: validating the customer information by comparing the customer information with customer demographic information obtained during the purchase from the second database; comparing the customer information with a stored list of flagged information; terminating an activation process, if the customer information is on the stored list of flagged information; determining that the prepaid transaction card is to be used by a card recipient; capturing the customer information by capturing one or more items of information associated with the card purchaser and the card recipient of the prepaid transaction card; and activating the prepaid transaction card after the validating, if the customer information is not on the stored list of flagged information.