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If the decision at 310 is to accept the application for a credit card, the recipient 215 may be notified at 340.
Other forms of offering the sale of a purchase card are also possible.
At 355 an update is sent to a retrievable data storage system, for example, computer 360.Another embodiment of the invention allows the recipient 215 to convert the purchase card into a credit card.The offer may be in any suitable form that would notify prospective purchasers 105 of the availability of the purchase card.The information may be used for subsequent security checks, should they be required, or to verify or complete the purchase card account information.A further object of the invention is to provide a purchase card where the purchaser may designate with which merchants the purchase card may be used.11/780,730, filed on Jul.Other forms of notification may also be used to notify recipient 215 of the declined application.For example, the sponsor may offer a flat percentage rebate for purchases made.At step 130, the customer service center 120 is checked to verify that the caller or purchaser was included in the solicitations for this program.Regardless of the purchasing method, the issuer of the purchase card must determine whether the purchaser has sufficient funds to purchase the card.An issuer may also notify a purchaser where the purchase card is being used, or what products are being purchased with the purchase card.The offer may be accepted by a purchaser 105 by notifying a customer service center 110.The financial institution will then issue a purchase card for the amount of the rebate.2 shows a flow diagram for another portion of the purchase card system.The purchaser 105 may be given the opportunity to modify the purchase card spending wild vegas casino codes amount, at 155, in order to ensure that the purchase amount does not exceed the available credit.Background OF THE invention, on many occasions, consumers, other bank customers, credit card holders, and other persons find it is desirable to arrange for another person, perhaps a relative, to have access to a specified sum of money.A further object of the invention is to provide a purchase card where the credit cards is immediately activated upon being converted from a purchase card.The process may terminate at 160 if, for example, the purchaser 105 does not wish to modify the purchase amount.If the recipient of a purchase card is someone other than the purchaser, the issuer of the card may notify the purchaser regarding various aspects of the card.During activation certain verifications may be made at 250 to ensure that the intended recipient 215 is the person attempting to activate the purchase card.After activation the purchase card is ready for use.
Information regarding an account is sent to account file 220, where an account can be monitored.