Systems and Methods for Use in Inhibiting Theft of Payment Cards

摘要

Exemplary systems and methods for inhibiting payment card theft are disclosed. One exemplary method includes receiving a non-activation attempt for a payment card. The payment card has a primary account number (PAN). The non-activation attempt includes the PAN. When the non-activation attempt precedes an activation attempt for the payment card, the exemplary method includes appending the payment card to a do-not-activate list stored in memory. The exemplary method further includes receiving the activation attempt from the merchant, via a payment network. The activation attempt includes an identifier associated with the payment card. The identifier is different than the PAN. And, in response to an activation attempt, the method includes declining activation of the payment card when the payment card is included in the do-not-activate list.

主权项

1. A computer-implemented method of inhibiting theft of payment cards, the method comprising:
receiving, at a computing device, a non-activation attempt for a payment card, the payment card having a primary account number (PAN), the non-activation attempt including the PAN; when the non-activation attempt precedes an activation attempt for the payment card, appending, at the computing device, the payment card to a do-not-activate list stored in memory; receiving, at the computing device, an activation attempt from a merchant, via a payment network, the activation attempt including an identifier associated with the payment card, wherein the identifier is different than the PAN; and in response to the activation attempt, declining, by the computing device, activation of the payment card when the payment card is included in the do-not-activate list.