Presentation instrument display and activation systems and methods

• US 10,269,203 B2
• Filed: 04/10/2012
• Issued: 04/23/2019
• Est. Priority Date: 08/23/2005
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Andersen, Tonya, Kaukol, Karen, Rex, Deborah, Jeffords, Gary
• Primary Examiner(s): Ade, Garcia
• Application Number:
  US13/443,519
• Publication Number:
  US 20120253956A1
• Time in Patent Office: 2,569 Days
• Field of Search: 705 21
• CPC Class Codes: G06Q 10/0875 Itemisation or classification of parts, supplies or services, e.g. bill of materials
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/127 in which both online and offline card verification can take place

Abstract

A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier. The purchase card has an account identifier associated therewith and has a card indicium affixed thereto. The purchase card includes a machine-readable information encoding region into which the account identifier is encoded. The card carrier has a carrier indicium affixed thereto. The method includes populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium. Activating the card by associating value to it includes comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium.

Claims

1. A method of validating a device the method comprising:

providing the device removably attached to a device carrier, wherein;

the device has encoded thereon an account identifier in a first machine-readable format, wherein the first machine-readable format is associated with magnetic material on the device;

the device further has encoded thereon a card indicium in a second machine-readable format, wherein the second machine-readable format is an optical machine-readable format;

the device carrier has encoded thereon a carrier indicium in the second machine-readable format;

storing, within a database, an association between the account identifier, the card indicum, and the carrier indicium;

receiving, from a scanning device, a first data set and a second data set;

comparing the first data set and the second data set to the card indicium and the carrier indicium, respectively to determine that the first data set matches the card indicium and the second data set matches the carrier indicium;

in response to determining that the first data set matches the card indicum and the second data set matches the carrier indicium, receiving, from a magnetic reading device, a third data set;

comparing the third data set to the account information to determine the third data set matches the account information; and

in response to determining the third data set matches the account information, activating the device by associating a value to the device.

2. The method of of claim 1, wherein:

the account identifier is encoded in a magnetic stripe; and

the magnetic stripe is inaccessible while the device is attached to the device carrier.

3. The method of claim 1, further comprising:

receiving, via telephone, personal information of a user of the device.

4. The method of claim 3, further comprising:

after activating, at a first time, the device, associating, at a second time, additional value with the account identifier, wherein the second time is after the first time.

5. The method of claim 1, further comprising:

after activating the device, receiving, by the host computer system, a transaction request that includes the account identifier and a transaction amount; and

settling, the transaction request.

6. The method of claim 1, further comprising:

receiving, a point-of-sale device, the account identifier of the stored value card and a transaction amount, wherein the account identifier is not received at the point-of-sale device with the carrier identifier; and

transmitting, by the point-of-sale device, the account identifier and the transaction amount to a host computer system.

7. The method of claim 1, further comprising:

prior to activating the device, receiving, via telephone, a password associated with the device, wherein the database additionally links a stored password with the account identifier; and

activating the device is at least partially based on the received password matching the stored password.

8. The method of using the stored value card of claim 7, wherein the password is hidden on the device carrier.

9. A computer program product residing on a non-transitory processor-readable medium for validating a device, the computer program product comprising processor-readable instructions configured to cause a processor to:

receive, at a first time, an account identifier associated with the device, wherein the account identifier is encoded on the device in a first machine-readable format, wherein the first machine-readable format is associated with magnetic material on the device;

receive, at the first time, a card indium associated with the device, wherein the card indium is encoded on the device in a second machine-readable format, wherein the second-machine readable format is an optical machine-readable format;

receive, at the first time, a carrier indicium associated with a device carrier, the device carrier being removably coupled to the device and the carrier indicium being encoded on the device carrier in the second machine-readable format;

store an association between the account identifier, the card indium, and the carrier indicium;

receive, from a scanning device, at a second time, a first data set and a second data set, wherein the second time is after the first time;

compare the first data set and the second data set to the card indicium and the carrier indicium, respectively to determine that the first data set matches the card indicium and the second data set matches the carrier indicium;

in response to determining that the first data set matches the card indicum and the second data set matches the carrier indicium, receive, from a magnetic reading device, a third data set;

compare the third data set to the account information to determine the third data set matches the account information; and

in response to determining the third data set matches the account information, activate the device by associating a value to the device.

10. The computer program product of claim 9, wherein the computer program product further comprises processor-readable instructions configured to cause the processor to:

receive, via telephone, personal information of a user of the device.

11. The computer program product of claim 9, wherein the computer program product further comprises processor-readable instructions configured to cause the processor to:

after activating the device, associate, at a third time, additional value with the account identifier, wherein the third time is after the second time.

12. The computer program product of claim 9, wherein the computer program product further comprises processor-readable instructions configured to cause the processor to:

after activating the device, receive a transaction request that includes the account identifier and a transaction amount; and

settle the transaction request.

13. The computer program product of claim 9, wherein the computer program product further comprises processor-readable instructions configured to cause the processor to:

prior to activating the device, receive, via telephone, a password associated with the device, wherein a stored password is associated with the device; and

activation of the device is at least partially based on the received password matching the stored password.

14. The computer program product of claim 13, wherein the password is hidden on the device carrier.

15. The computer program product of claim 9, wherein the account number is not received from a point-of-sale device with the carrier indicium.

16. A system for validating a device, the system comprising:

a processor; and

a memory communicatively coupled with and readable by the processor and having stored therein processor-readable instructions which, when executed by the processor, cause the processor to;

receive, at a first time, an account identifier associated with the device, wherein the account identifier is encoded on the device in a first machine-readable format, wherein the first machine-readable format is associated with magnetic material on the device;

receive, at the first time, a card indium associated with the device, wherein the card indium is encoded on the device in a second machine-readable format, wherein the second-machine readable format is an optical machine-readable format;

receive, at the first time, a carrier indicium associated with a device carrier, the device carrier being removably coupled to the device and the carrier indicium being encoded on the device carrier in the second machine-readable format;

store an association between the account identifier, the card indium, and the carrier indicium;

receive, from a scanning device, at a second time, a first data set and a second data set, wherein the second time is after the first time;

compare the first data set and the second data set to the card indicium and the carrier indicium, respectively to determine that the first data set matches the card indicium and the second data set matches the carrier indicium;

in response to determining that the first data set matches the card indicum and the second data set matches the carrier indicium, receive, from a magnetic reading device, a third data set;

compare the third data set to the account information to determine the third data set matches the account information; and

in response to determining the third data set matches the account information, activate the device by associating a value to the device.

17. The system of claim 16, wherein:

the account identifier is encoded in a magnetic stripe of the device; and

the magnetic stripe is inaccessible while the device is attached to the device carrier.

18. The system of claim 16, wherein the processor-readable instructions are further configured to cause the processor to:

receive, via telephone, personal information of a user of the device.

19. The of claim 16, further comprising a point-of-sale device, configured to:

receive the account identifier and a transaction amount; and

transmit the account identifier and the transaction amount to a host computer system.

20. The system of claim 16, wherein the processor-readable instructions are further configured to cause the processor to:

after activating the device, associate additional value with the device.

21. The system of claim 16, wherein the processor-readable instructions are further configured to cause the processor to:

prior to activating the device, receive, via telephone, a password associated with the device, wherein a stored password is associated with the device; and

activating the account identifier is at least partially based on the received password matching the stored password.

22. The system of claim 16, wherein the account number is not received by a point-of-sale device with the carrier indicium.