Hybrid transaction card package assembly

• US 7,607,574 B2
• Filed: 04/28/2006
• Issued: 10/27/2009
• Est. Priority Date: 04/28/2006
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Inventors: Kingsborough, Donald, Roche, Talbott, Petersen, Amie
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US11/380,838
• Publication Number:
  US 20070251994A1
• Time in Patent Office: 1,278 Days
• Field of Search: 235/380, 235/375, 235/492, 235/482, 705/45, 705/38
• US Class Current: 235/380
• CPC Class Codes: G06K 19/06018 one-dimensional coding
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/07 with integrated circuit chips
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

A transaction card package assembly comprising a transaction card and a card holder, wherein the package assembly further comprises at least three unique identifiers thereon such that the transaction card may be activated at a point of sale by either a one-step or two-step activation process.

Claims

1. A transaction card package assembly comprising a transaction card and a card holder, wherein the package assembly further comprises at least three unique identifiers thereon such that the transaction card may be activated at a point of sale by both one-step or two-step activation process processes, and wherein the three unique identifiers each comprise a different one of a vendor product identification code, an issuer account code, and a combination vendor product identification and issuer account code.

2. The package assembly of claim 1 comprising the three unique identifiers encoded within bar codes, magnetic stripes, electronic tags, radio frequency identification tags, microprocessors, microchips, or combinations thereof.

3. The package assembly of claim 1 comprising the vendor product identification code encoded within a UPC bar code.

4. The package assembly of claim 3 wherein the UPC bar code comprises an EAN/UCC-12 bar code.

5. The package assembly of claim 4 wherein the EAN/UCC-12 bar code is on the transaction card.

6. The package assembly of claim 5 wherein the EAN/UCC-128 bar code is on the transaction card.

7. The package assembly of claim 4 wherein the EANIUCC-12 bar code is on the card holder.

8. The package assembly of claim 7 wherein the EAN/UCC-128 bar code is on the card holder.

9. The package assembly of claim 1 comprising the issuer account code encoded within a magnetic stripe.

10. The package assembly of claim 9 wherein the magnetic stripe is on the transaction card.

11. The package assembly of claim 10 wherein the magnetic stripe is on the transaction card.

12. The package assembly of claim 11 wherein the EAN/UCC-128 bar code is on the transaction card.

13. The package assembly of claim 10 wherein the EAN/UCC-128 bar code is on the transaction card.

14. The package assembly of claim 9 wherein the magnetic stripe is on the card holder.

15. The package assembly of claim 14 wherein the magnetic stripe is on the card holder.

16. The package assembly of claim 15 wherein the EAN/UCC-128 bar code is on the card holder.

17. The package assembly of claim 14 wherein the EAN/UCC-128 bar code is on the card holder.

18. The package assembly of claim 1 comprising the combination vendor product identification and issuer account code encoded within an EANIUCC-128 bar code.

19. The package assembly of claim 18 wherein the EANIUCC-128 bar code is on the transaction card.

20. The package assembly of claim 18 wherein the EAN/UCC-128 bar code is on the card holder.

21. The package assembly of claim 1 wherein the one-step activation process comprises scanning an EAN/UCC-12 bar code.

22. The package of claim 1 wherein the two-step activation process comprises scanning a UPC bar code and swiping a magnetic stripe.

23. The package assembly of claim 22 wherein the UPC bard code comprises an EAN/UCC-12 bar code.