Secure card
First Claim
Patent Images
1. A secure financial card, comprising:
- a substrate;
a first state with a first account number stored on the substrate in both a visible manner and a machine readable manner before an initial activation of the card, the first account number being configured to initiate the initial activation of the card; and
a second state with a second account number stored only in a non-visible manner on the substrate with the second account number being generated upon the initial activation of the card by a user of the card, wherein the first state does not store the second account number; and
wherein the card is not usable prior to the initial activation of the card.
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Accused Products
Abstract
Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that activates the card and a second number written to the card at activation away from the card manufacturer. This helps prevent theft at the manufacturer. This second account is a bearer account where anyone who knows the account number can withdraw the funds from the account. The account may be funded with either the account number or the authentication number.
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Citations
21 Claims
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1. A secure financial card, comprising:
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a substrate; a first state with a first account number stored on the substrate in both a visible manner and a machine readable manner before an initial activation of the card, the first account number being configured to initiate the initial activation of the card; and a second state with a second account number stored only in a non-visible manner on the substrate with the second account number being generated upon the initial activation of the card by a user of the card, wherein the first state does not store the second account number; and
wherein the card is not usable prior to the initial activation of the card. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method of using a secure financial card, comprising:
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storing a first account number in a visible and machine readable manner on a card before an initial activation of the card; receiving a request from a user for the initial activation of the card based on the first account number; generating a second account number in response to the initial activation request and based on the first account number; and storing the second account number in only a non-visible manner on the card, wherein the second account number is not stored on the card prior to the generation, and wherein the card is not usable prior to the initial activation of the card. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer readable storage medium including microprocessor-executable instructions that, when executed by a computer, configure the computer to perform a method comprising:
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storing a first account number in a visible and machine readable manner on a card before an initial activation of the card; receiving a request from a user for the initial activation of the card based on the first account number; generating a second account number in response to the initial activation request and based on the first account number; and
storing the second account number in only a non-visible manner on the card, wherein the second account number is not stored on the card prior to the generation, and wherein the card is not usable prior to the initial activation of the card. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification