METHOD AND SYSTEM FOR RECOVERY OF A LOST PAYMENT CARD
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United States of America Patent
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Issued Date -
Jun 23, 2016
app pub date -
Dec 23, 2014
filing date -
Dec 23, 2014
priority date (Note) -
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Abstract
A method for reactivation of a lost payment card includes: storing an account profile including data related to a transaction account including an account identifier, account number, authentication data, and activation flag, the flag indicating that a payment card is active; receiving an authorization request for a payment transaction, the request including the account number and a data field indicative of a lost payment card; updating the activation flag in the account profile to indicate that the payment card is frozen; receiving a verification message, the message including the account identifier and authentication information; authenticating the received verification message based on the included authentication information and the authentication data included in the account profile; and updating the activation flag in the account profile i to indicate that the payment card is active, wherein the payment card is prohibited from use if the activation flag indicates that the card is frozen.
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