Patent ID: 7831441

Claim:
A method of responding to an account reactivation request, the method comprising: receiving an account reactivation request from a user having a deactivated account; based on the account reactivation request, identifying an attribute of the deactivated account of the user; comparing the identified attribute of the deactivated account of the user with account reactivation criteria; based on comparison results, determining an eligibility score associated with the account reactivation request received from the user having the deactivated account; determining, by a computer, whether the eligibility score associated with the account reactivation request satisfies a first threshold score and a second threshold score; conditioned on a determination that the eligibility score associated with the account reactivation request satisfies the first threshold score and the second threshold score, responding to the account reactivation request with a first response; conditioned on a determination that the eligibility score associated with the account reactivation request does not satisfy the first threshold score or the second threshold score, responding to the account reactivation request with a second response that is different from the first response; and conditioned on a determination that the eligibility score associated with the account reactivation request satisfies the first threshold score, but does not satisfy the second threshold score, responding to the account reactivation request with a third response that is different from the first response and the second response, wherein responding to the account reactivation request with a first response comprises accepting the account reactivation request of the deactivated account without requiring acceptance of an additional condition by the user, wherein responding to the account reactivation request with a second response that is different from the first response comprises accepting the account reactivation request of the deactivated account conditioned on the user accepting the additional condition, the additional condition being a condition placed on a reactivated account that was not placed on the deactivated account, and wherein accepting the account reactivation request of the deactivated account conditioned on the user accepting the additional condition comprises accepting the account reactivation request of the deactivated account conditioned on the user accepting a payment method that differs from a payment method required by the deactivated account.