Virtual card personalization system

• US 6,202,155 B1
• Filed: 07/30/1998
• Issued: 03/13/2001
• Est. Priority Date: 11/22/1996
• Status: Expired due to Term

• Current Assignee: Not Applicable, UbiQ, Inc.
• Original Assignee: UbiQ, Inc.
• Inventors: Tushie, David R., Younger, Thomas L., Schaub, Steven J.
• Primary Examiner(s): Iqbal, Nadeem
• Application Number:
  US09/126,363
• Time in Patent Office: 957 Days
• Field of Search: 713/200, 713/201, 713/202, 380/4, 380/19, 380/20, 380/22, 380/23, 380/25, 340/825.31, 340/825.34, 235/382.5, 235/380, 707/104, 707/10
• US Class Current: 726/20
• 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 20/355 Personalisation of cards for use
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A virtual card personalization system receives information to personalize a transaction card and creates a virtual transaction card using the information. Virtual devices in the system control physical personalization equipment which is used to produce the transaction card based on data in the virtual transaction card. Each virtual device converts the virtual transaction card data specific to its function into a format recognizable by the personalization equipment it controls and instructs the personalization equipment to process the converted data to produce the physical transaction card.

Claims

1. A method for personalizing transaction cards comprising:

configuring a plurality of virtual devices to control physical personalization equipment;

providing a transaction card configuration to define a physical transaction card;

acquiring personalization data; and

processing the personalization data and the transaction card configuration by the plurality of virtual devices to cause the physical personalization equipment to personalize the physical transaction card with the personalization data as defined by the transaction card configuration.

2. The method of claim 1, wherein the transaction card information is contained in a virtual transaction card that is processed by the plurality of virtual devices.

3. The method of claim 1, wherein the processing of the personalization data and the transaction card configuration comprises converting the personalization data into a format recognizable by the physical personalization equipment and sending commands to the physical personalization equipment.

4. The method of claim 1, wherein the physical personalization equipment comprises a plurality of physical devices.

5. The method of claim 4, wherein at least one of plurality of physical devices is selected from the group consisting of an embosser, an integrated circuit encoder, a magnetic stripe reader/writer, and a printer.

6. The method of claim 4, wherein each of the plurality of virtual devices controls one of the plurality of physical devices.

7. The method of claim 4, wherein at least one of the plurality of virtual devices controls more than one of the plurality of physical devices.

8. The method of claim 1, wherein one of the plurality of virtual devices interfaces with a security source.

9. The method of claim 1, wherein one of the plurality of virtual devices controls a reporting device.

10. The method of claim 1, wherein one of the plurality of virtual devices controls a user access device.

11. A computer-readable medium having stored thereon a data structure comprising:

a first field containing date representing an instance of a physical transaction card;

a second field containing data representing an integrated circuit on the physical transaction card identified by the first field; and

a third field containing data representing a magnetic stripe on the physical transaction card identified by the first field.

12. The computer-readable medium of claim 11, further comprising:

a fourth field containing data representing an attribute of the physical transaction card, wherein the attribute is selected from the group consisting of a graphic, a bar code, and an embossed line.

13. The computer-readable medium of claim 11, further comprising a fourth field containing data representing an indicator that causes an activation sticker to be attached to the transaction card identified by the first field.

14. A computer-readable medium having stored thereon computer-executable components for producing transaction cards on physical personalization equipment comprising:

a programming interface for creating a virtual transaction card from data received from a data source; and

a virtual personalization machine logically coupled to the programming interface for instructing the physical personalization equipment to produce a physical transaction card defined by the virtual transaction card.

15. The computer-readable medium of claim 14, wherein the virtual personalization machine comprises a plurality of virtual devices for instructing the physical personalization equipment.

16. The computer-readable medium of claim 14, wherein the programming interface comprises a script interpreter for interpreting a script which controls the production of the transaction cards.

17. The computer-readable medium of claim 14, wherein the programming interface comprises a local application interface for communicating with a remote application interface, wherein the remote application interface supplies information for producing the transaction cards.

18. The computer-readable medium of claim 17, further comprising a remote script interpreter logically coupled to the remote application interface for interpreting a script which controls the production of the transaction cards.

19. A virtual card personalization system comprising:

a virtual card object defining a physical transaction card;

a programming interface object for creating the virtual card object from data in a data source object; and

a virtual personalization machine object for controlling physical personalization equipment to produce a physical transaction card defined by the virtual card object and personalization data in the data source object when a make card method is invoked by the programming interface object.

20. The virtual card personalization system of claim 19, wherein the virtual card object comprises an integrated circuit object and a magnetic stripe object, each object having properties defining a corresponding attribute on the physical transaction card.

21. The virtual card personalization system of claim 20, wherein the virtual card object further comprises at least one object selected from the group consisting of a graphic object, a bar code object and an embossed line object, each object having properties defining a corresponding attribute on the physical transaction card, and the at least one object being created when a specific create object method is invoked by the programming interface object.

22. The virtual card personalization system of claim 21, wherein the graphic object contains an image object having properties defining an image to be placed on the physical transaction card.

23. The virtual card personalization system of claim 19, wherein the virtual personalization machine comprises a plurality of virtual device objects for controlling the physical personalization equipment, each of the plurality of virtual device objects having a method particular to a function of the physical personalization equipment it controls.

24. The virtual card personalization system of claim 23, wherein the plurality of virtual device objects is selected from the group consisting of an embosser object, an integrated circuit encoder object, a mag stripe reader/writer object, a printer object, a security object, a logging object, and a front panel object.

25. The virtual card personalization system of claim 23, wherein the physical personalization equipment comprises a plurality of physical devices.

26. The virtual card personalization system of claim 25, wherein each one of the plurality of virtual device objects controls one of the physical devices.

27. The virtual card personalization system of claim 25, wherein at least one of the plurality of virtual device objects controls more than one of the physical devices.

28. A computerized system for personalizing transaction cards comprising:

a processor;

a computer readable medium coupled to the processor; and

personalization equipment coupled to the processor,

wherein instructions executed from the computer readable medium by the processor cause the processor to create a virtual transaction card and to configure virtual devices which in turn cause the processor to send data and commands defined by the virtual transaction card to the personalization equipment to personalize a physical transaction card.

29. A virtual card personalization system comprising:

a card configuration means for defining a physical transaction card;

an interface means for acquiring data for the physical transaction card and coupled to the card configuration means;

a virtual personalization machine means coupled to the programming means and further coupled to physical personalization means, the virtual personalization machine means comprising;

a plurality of virtual device means for processing the card configuration means and the data to cause the physical personalization means to personalize the physical transaction card with the personalization data as defined by the card configuration means.