ISSUING A VALUE-BEARING CARD ASSOCIATED WITH ONLY NON-PERSONALLY IDENTIFYING INFORMATION

• US 20100276486A1
• Filed: 07/13/2010
• Published: 11/04/2010
• Est. Priority Date: 12/30/2005
• Status: Active Grant

• Current Assignee: Ready Credit Corp.
• Original Assignee: Ready Credit Corp.
• Inventors: Olah, Donald Bradly, Walsh, Timothy James
• Granted Patent: US 8,893,963 B2
• Time in Patent Office: Days
• US Class Current: 235/381
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• 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 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 17/26 for printing, stamping, franking, typing or teleprinting apparatus ticket printing or the like apparatus G07F17/42
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Issuing a debit card associated with only non-personally identifying information includes communicating among an input device, a network coupling, and a card dispenser. The input device is configured to receive a new account request. The new account request includes only non-personally identifiable information. The network coupling is configured to send the new account request to an acquirer processor and to receive an approval response from the acquirer processor. The card dispenser is configured to dispense a debit card to the user based on the approval response received from the acquirer processor. The debit card includes only non-personally identifiable information. The non-personally identifiable information includes the account number.

Claims

1. A system for issuing a debit card, the system comprising:

an input device, the input device configured to receive a new account request, the new account request including only non-personally identifiable information;

a network coupling, the network coupling configured to send the new account request to an acquirer processor and to receive an approval response from the acquirer processor; and

a card dispenser, the card dispenser configured to dispense a debit card to the user based on the approval response received from the acquirer processor, the debit card including only non-personally identifiable information, the non-personally identifiable information including the account number.

2. The system of claim 1, further comprising:

an asset acceptor, the asset acceptor configured to receive assets from a user, the assets including at least one of the group consisting of currency, checks, and credit cards; and

a controller, the controller configured to determine a value of the assets received from the user;

wherein the new account request includes the value of the assets received from the user.

3. The system of claim 1, further comprising:

a card encoded, the card encoder configured to store information on the debit card; and

a card reader for scanning information stored on the debit card, the scanned information including the account number.

4. The system of claim 1, further comprising:

a display screen configured to present selectable options to the user; and

an input device configured to enable a user to select at least one of the presented options.

5. A method for initializing a debit account, the method comprising:

obtaining a new account request and a balance from a terminal, the new account request including only non-personally identifiable information;

sending the new account request and the balance from the terminal to an acquirer processor;

sending the new account request and the balance from the acquirer processor to a card processor;

determining whether to authorize creation of a new account based on only the non-personally identifiable information;

sending an authorization response from the card processor to the acquirer processor; and

sending the authorization response from the acquirer processor to the terminal.

6. The method of claim 5, further comprising:

obtaining a new account number from the card processor; and

preparing a debit card including encoding the new account number on the debit card.

7. A method for issuing a value-bearing card, comprising:

receiving one or more value-bearing instruments and a request to convert the value bearing instruments to a value-bearing card at a kiosk, wherein the value-bearing instruments total an amount and the requested value-bearing card includes only non-personally identifiable information;

sending the amount and the request to a third party for approval; and

issuing the value-bearing card from the kiosk upon receipt of approval from the third party.

8. The method of claim 7, wherein the value-bearing card is a debit card.

9. The method of claim 7, wherein the value bearing instruments include U.S. currency.

10. The method of claim 7, wherein the third party includes an acquirer processor and a card processor.

11. The method of claim 10, wherein the value-bearing card is a debit card.

12. The method of claim 11, further comprising issuing the debit card with a unique new account number.

13. The method of claim 12, further comprising obtaining the unique new account number from the card processor.

14. The method of claim 8, further comprising encoding the unique new account number on the debit card.

15. A system for issuing a value-bearing card, comprising:

means for receiving one or more value-bearing instruments and a request to convert the value bearing instruments to a value-bearing card at a kiosk, wherein the value-bearing instruments total an amount and the requested value-bearing card includes only non-personally identifiable information;

means for sending the amount and the request to a third party for approval; and

means for issuing the value-bearing card from the kiosk upon receipt of approval from the third party.

16. The system of claim 15, wherein the value-bearing card is a debit card, the value bearing instruments include U.S. currency, and the third party includes an acquirer processor and a card processor.

17. The system of claim 16, further comprising means for issuing the debit card, wherein the debit card is associated with a unique account number.

18. The system of claim 17, further comprising means for obtaining the unique account number from the card processor.

19. The system of claim 18, further comprising means for encoding the unique account number on the debit card.

20. The system of claim 19, wherein the unique account number is printed on the debit card.