Secure card
First Claim
Patent Images
1. A secure financial card, comprising:
- a substrate;
an activation number stored in a machine-readable manner on the substrate,wherein the activation number is used to activate the secure financial card,wherein the activation number is erased upon activation of the secure financial card; and
an account number stored in a machine-readable and non-visible manner on the substrate,wherein the account number is generated and stored upon activation of the secure financial card.
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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
20 Claims
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1. A secure financial card, comprising:
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a substrate; an activation number stored in a machine-readable manner on the substrate, wherein the activation number is used to activate the secure financial card, wherein the activation number is erased upon activation of the secure financial card; and an account number stored in a machine-readable and non-visible manner on the substrate, wherein the account number is generated and stored upon activation of the secure financial card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computerized method of generating a secure financial card, comprising:
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storing, by a computer system of a financial institution, the computer system having a processor, an activation number in a machine-readable manner on a card; wherein the activation number is used to activate the secure financial card, wherein the activation number is erased upon activation of the secure financial card; activating, by the computer system, the card, comprising; generating, by the processor, an account number based on the activation number, and storing, by the processor, the account number in a non-visible manner on the card; and funding the card. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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18. A system for generating a secure financial card, comprising:
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means for storing an activation number in a machine-readable manner on a card; wherein the activation number is used to activate the secure financial card, wherein the activation number is erased upon activation of the secure financial card; means for generating an account number based on the activation number; means for storing the account number in a non-visible manner on the card; and means for funding the card. - View Dependent Claims (19, 20)
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Specification