Client customized virtual or physical card for use with selected merchants

• US 8,464,938 B2
• Filed: 02/15/2011
• Issued: 06/18/2013
• Est. Priority Date: 06/22/2007
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Original Assignee: Intelispend Prepaid Solutions (Albertsons Cos., Inc.)
• Inventors: Briscoe, Carl Brad, Milner, J. DuWayne, Wehrman, Robert W., Easley, Daniel R.
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US13/027,623
• Publication Number:
  US 20110178924A1
• Time in Patent Office: 854 Days
• Field of Search: 705/35, 235/380, 235/381
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/351 Virtual cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: H04M 15/715 Activating new subscriber or card

Abstract

A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient.

Claims

1. A kiosk system for customizing, activating and providing a physical card according to input from a client, said kiosk system comprising:

a plurality of physical cards, each card of the plurality of cards representing an unactivated account between a cardholder and selected merchants;

a merchant database for storing information regarding a limited number of merchants who will accept the cards in a transaction;

a client interface connected to the merchant database for selectively activating an unactivated account, said client interface including;

an input component for presenting a screen shot to the client of the limited number of merchants and for receiving client selected merchants from the client consisting of less than all of the limited number of merchants;

an output component for communicating to the administrative processor the received client selected merchants and for communicating an assigned account number to an administrative processor remote from the kiosk system to initially activate the unactivated account before and independent of any transactions, the communicated information for later use by the administrative processor for approving and rejecting card transactions subsequent to activation;

said client interface interacting with the client and responding to said interacting to assign to one of the cards an unactivated account number which is associated with only the received client selected merchants, such that transactions involving the account number and the client selected merchants will be approved by the administrative processor and transactions involving the account number and merchants other than the client selected merchants will be rejected by the administrative processor;

a card creator connected to the client interface, said card creator selecting one of the plurality of cards and customizing the selected card by electronically adding the assigned account number associated with only the client selected merchants to the card without adding electronic information indicative of the client selected merchants to the card, and delivering the card to the client;

wherein a subsequent transaction after the unactivated account is activated involving the assigned account number of a particular card and one of the client selected merchants of the particular card will be approved by the administrative processor via the card network provider based on the communicated assigned account number and based on the communicated client selected merchants associated with the assigned account number,

wherein a subsequent transaction after the unactivated account is activated involving the assigned account number of the particular card and merchants other than the client selected merchants will be rejected by the administrative processor via the card network provider based on the communicated assigned account number and based on the communicated client selected merchants associated with assigned account number, and

wherein only client selected merchants are capable of redeeming the cards by communicating with the administrative processor via the card network provider so that the card is redeemed without modification at the point of sale of only client selected merchants.

2. The system of claim 1 wherein each of the plurality of cards is associated with an activated account having a pre-defined amount for redeeming only with the client selected merchants.

3. The system of claim 1 wherein the client selected merchants are individually selected by the client, or the client selected merchants are one or more preset merchant groups selected by the client, or the client selected merchants are a combination of merchants individually selected by the client and a preset merchant group selected by the client.

4. The system of claim 1 wherein the client interfaces interacts with the client to select a card from the plurality of cards.

5. The system of claim 1 wherein the material printed on the card includes additional material selected by the client via the client interface, said selected material including one or more of the following:

identifying information associated with the cardholder, a personalized message, identifying information associated with the client, contact information associated with the client, identifying information associated with the client selected merchants, contact information associated with the client selected merchants, credit redeemable by the cardholder, and an expiration date for redeeming the credit.

6. The system of claim 1 wherein each of the plurality of cards is associated with a unique identifier and said unique identifier is included on the card.

7. The system of claim 1 further comprising a kiosk housing the plurality of cards, housing the merchant database or a link to the merchant database, housing the client interface, and housing the card creator or housing a link to a card fulfillment resource.

8. The system of claim 1 wherein the client interface interacts with the client to receive design data for further customizing the appearance of material printed on the card, said customizing data including one or more of the following:

font of characters, style of characters, size of the material on the card, position of the material on the front of the card, position of material on the back of the card, color of the information, a border for the card, a theme for the card, and an orientation of the material on the card.

9. A system for creating and activating a virtual card, said virtual card representing an account between a cardholder and a limited number of merchants, said system comprising:

an account parameters database storing information identifying a limited number of merchants who will accept the virtual cards in a transaction;

a background database storing a plurality of virtual card backgrounds;

a logo database storing a plurality of logos;

an administrative processor;

a client interface connected to the account parameters database, the background database, and the logo database,

said client interface interacting with a client;

to create the virtual card for the client,

to present a screenshot to the client of the limited number of merchants stored in the account parameters database who will accept the virtual cards in a transaction,

to select one or more merchants to be associated with the virtual card from the limited number of merchants identified by the information stored in the account parameters database,

to select a virtual card background for the virtual card from the plurality of virtual card backgrounds stored in the background database,

to select a logo for the virtual card from the plurality of logos stored in the logo database, and

to assign to the virtual card an unactivated account number associated with only the client selected merchants,

said client interface including an input component for receiving merchant selection information consisting of the client selected merchants, and an output component for transmitting the client selected merchants and unactivated account number information to the administrative processor remote from the kiosk for activating an unactivated account of the virtual card;

a virtual card creator in communication with the client interface, said virtual card creator associating the assigned, unactivated account number associated with only the client selected merchants to the virtual card without including the merchant selection information as part of the virtual card, said virtual card creator displaying material on the virtual card based on the client interaction via the client interface, said material including the selected virtual card background, and the selected logo, and assigning to the virtual card an unactivated account number which will be accepted only by the one or more client selected merchants; and

said administrator processor in communication with the client interface for administering the assigned account, said administrator processor receiving the account parameters associated with the unactivated, assigned account, said account parameters including an amount redeemable by the virtual cardholder, the client selected merchants, and the assigned account number, said administrator processor being accessible via a card network provider for activation of the assigned account number and for determining whether a merchant at the point of sale is one of the client selected merchants, wherein said card network provider is at least one of a credit card association and a debit card association,

wherein a subsequent transaction after the unactivated account is activated involving the assigned account number of the virtual card and one of the client selected merchants will be approved by the administrative processor via the card network provider based on the communicated assigned account number and based on the communicated client selected merchants associated with the account number previously transmitted to the administrative processor by the client interface prior to the transaction,

wherein a subsequent transaction after the unactivated account is activated involving the virtual card and other than one of the client selected merchants will be rejected by the administrative processor via the card network provider based on the communicated assigned account number and based on the communicated selected merchants associated with only the selected merchants previously transmitted to the administrative processor by the client interface prior to the transaction, and

wherein only the merchants are able to redeem the virtual cards by communicating the account number to the administrative processor via the card network provider and without communicating the merchant selection information to the administrative processor so that the virtual card is redeemed without modification at the point of sale of one of the client selected merchants via the client interface.

10. The system of claim 9 wherein the client interface interacts with the client to select the amount redeemable by the cardholder, said selected amount being redeemable by the cardholder at the client selected merchants, and wherein the material included in the display of the virtual card includes a plurality of logos representing the client selected merchants.

11. The system of claim 9 further comprising a device for communicating to the administrator processor to selectively activate an assigned account to the virtual card.

12. The system of claim 9 further comprising a kiosk unit housing the client interface and the virtual card creator.

13. The system of claim 9 wherein the account parameters database stores a category associated with each of the client selected merchants, said category based on the goods or services sold by the merchant, and wherein the client interface interacts with the client to select one or more of the limited number of merchants including displaying the categories to the client, receiving a response from the client indicating a selected category, displaying the merchant information for the one or more merchants selected by the client associated with the selected category, and receiving another response indicating the client selected merchants.

14. The system of claim 9 wherein the client interface interacts with the client to display a preview of the virtual card to the client.

15. The system of claim 9 wherein an account identifier is included in the account parameters of the virtual card and wherein the material included on the display of the virtual card includes the account identifier.

16. The system of claim 9 wherein the client interface further interacts with the client to collect an image provided by the client and wherein the material included on the display of the virtual card includes said image.

17. The system of claim 9 wherein the amount redeemable by the virtual cardholder includes one or more of the following:

an amount for a particular product sold by the merchant, an amount for a particular service sold by the merchant, a denomination redeemable for products or services sold by the merchant, a zero balance in the assigned account number subsequently loadable with an amount, and a zero balance in the assigned account number unloadable with an additional amount.

18. The system of claim 9 wherein the selected logo is provided by the client via the client interface and stored in the logo database.