Personalized presentation instrument production systems and methods

• US 20050116027A1
• Filed: 11/12/2004
• Published: 06/02/2005
• Est. Priority Date: 06/12/2003
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Beemer, Layne David, Algiene, Ken
• Application Number:
  US10/988,006
• Publication Number:
  US 20050116027A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: B42D 25/00 Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof printing processes to produce identification or security features B41M3/14
• CPC Class Codes: B42D 25/309 Photographs
• CPC Class Codes: B42D 25/40 Manufacture
• CPC Class Codes: B42D 25/425 by deformation, e.g. embossing
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

In one embodiment, a method for producing a customized presentation instrument comprises receiving at a production computer system production information needed to produce a customized presentation instrument. The production information may comprise customized design information from a purchaser of the presentation instrument, recipient information and a unique identifier. The design information is placed onto a piece of stock material to form the customized presentation instrument. The identifier is stored on the presentation instrument. Further, the completed presentation instrument is sent to the recipient.

Claims

1. A presentation instrument production system, comprising:

a presentation instrument production machine;

a production computer system coupled to the production machine, the computer system having presentation instrument production information that comprises a digital photograph from a designer of a presentation instrument that is unique to the presentation instrument and an identifier that is unique to the presentation instrument; and

at least one piece of stock material;

wherein the production machine is configured to apply the digital photograph to the stock material and to record the unique identifier on the stock material to produce a customized presentation instrument having the digital photograph and the unique identifier.

2. A system as in claim 1, wherein the computer system further includes mailing information for a recipient of the presentation instrument, and further comprising a printer that is configured to print an insert having the mailing information.

3. A system as in claim 2, further comprising an inserter machine that is configured to associate the presentation instrument with the insert and to place the presentation instrument and the insert within an envelope.

4. A system as in claim 1, further comprising a host computer system that is in communication with the production computer system, wherein the host computer system is configured to produce a presentation instrument record that includes the digital photograph, the unique identifier and recipient information, and to transmit the digital photograph, the identifier and the recipient information to the production computer system.

5. A system as in claim 4, wherein the host computer system is configured to credit the presentation instrument record by at least a portion of a payment amount.

6. A system as in claim 5, further comprising an interactive voice system for receiving payment information used to credit the presentation instrument record.

7. A method for producing a customized presentation instrument, the method comprising:

receiving at a host computer system presentation instrument information that comprises customized design information from a purchaser of the presentation instrument and recipient information;

creating a presentation instrument record having the presentation instrument information;

associating a unique identifier with the presentation instrument record;

generating production information needed to produce the presentation instrument, wherein the production information comprises the design information, the identifier and the recipient information; and

transmitting the production information to a production facility computer system for production of the presentation instrument.

8. A method as in claim 7, wherein the presentation instrument information is received from a kiosk over a network.

9. A method as in claim 7, further comprising sending the presentation instrument to a recipient, and further comprising receiving from the recipient payment information, and crediting the presentation instrument record with a certain value based on the payment information.

10. A method as in claim 7, wherein the design information comprises a digital file of a photograph.

11. A method as in claim 10, wherein the digital file is in a JPEG file format.

12. A method as in claim 7, further comprising producing the design information and the unique identifier on the presentation instrument.

13. A method as in claim 7, wherein the design information comprises a photograph that is printed onto a stock material or information from a business card.

14. A method as in claim 7, further comprising storing the identifier on a magnetic stripe on the presentation instrument.

15. A method as in claim 7, further comprising storing the identifier in a bar code format on the presentation instrument.

16. A method as in claim 7, further comprising electronically storing the identifier on the presentation instrument.

17. A method as in claim 7, further comprising embossing the identifier on the presentation instrument.

18. A method as in claim 9, further comprising receiving and associating activation information with the presentation instrument record.

19. A method as in claim 7, further comprising printing an insert with the recipient information and placing the presentation instrument and the insert into an envelope.

20. A method as in claim 19, further comprising mailing the envelope to the recipient.

21. A method as in claim 18, further comprising providing the host computer system with the activation information to activate the presentation instrument.

22. A method as in claim 9, further comprising providing the presentation instrument in connection with the purchase of an item, and transmitting the identifier to the host computer system along with a payment amount, and debiting the presentation instrument record by the payment amount.

23. A method as in claim 22, further comprising reading the identifier from the presentation instrument using a point of sale device or a bar bode reader.

24. A method for producing a customized presentation instrument, the method comprising:

receiving at a production computer system production information needed to produce a customized presentation instrument, the production information comprising customized design information having an image produced from a digital photograph, recipient information and a unique identifier;

producing the design information onto a piece of stock material to form the customized presentation instrument;

storing the identifier on the presentation instrument; and

sending the presentation instrument to the recipient.

25. A method as in claim 24, further comprising storing the identifier on a magnetic stripe on the presentation instrument or in bar code format.

26. A method as in claim 24, further comprising monitoring the design information for content.

27. A method as in claim 24, further comprising electronically storing the identifier on the presentation instrument.

28. A method as in claim 24, further comprising embossing the identifier on the presentation instrument.

29. A method as in claim 24, further comprising printing an insert with the recipient information and placing the presentation instrument and the insert into an envelope.

30. A method as in claim 30, further comprising mailing the envelope to the recipient.

31. A method as in claim 30, further comprising printing the design information on the insert or the envelope.

32. A kiosk comprising:

a housing;

a display screen coupled to the housing;

a processor disposed in the housing;

an input interface for inputting information that is usable by the processor; and

an output interface for transmitting information from the processor over a communication network;

wherein the input interface is configured to receive a digital image and to receive a request to produce a presentation instrument used in financial transactions having the digital image, and wherein the processor is configured to cause a presentation instrument request having the digital image to be transmitted from the output interface.

33. A kiosk as in claim 32, wherein the input interface comprises a touch panel of the display screen and a port for receiving a memory device that stores the digital image.

34. A kiosk as in claim 33, wherein the processor is configured to produce on the display screen an option to produce a personalized presentation instrument using a digital photograph, and wherein the option is selectable by touching the option on the touch panel.

35. A kiosk as in claim 34, wherein the processor is configured to produce on the display screen a request to input recipient information regarding a recipient of the presentation instrument.

36. A kiosk as in claim 35, wherein the request to input recipient information further includes a mailing address of the recipient.

37. A kiosk as in claim 32, wherein the display screen is configured to display a plurality of digital images, and wherein the processor is configured to provide an option on the display screen for selecting one of the images.

38. A kiosk as in claim 32, further comprising a reader for reading account information from a payment vehicle.

39. A kiosk as in claim 38, wherein the reader is selected from a group consisting of bar code readers, magnetic stripe readers, OCR readers, smart card readers, and RF readers.

40. A kiosk as in claim 32, wherein the input interface comprises a plurality of input keys.