System and method for secure card packaging and activation

• US 8,939,354 B1
• Filed: 06/14/2012
• Issued: 01/27/2015
• Est. Priority Date: 06/14/2011
• Status: Active Grant

• Current Assignee: CPI Card Group - Colorado Incorporated (CPI Card Group), CPI Card Group - Minnesota Incorporated (CPI Card Group), CPI Card Group - Tennessee, Inc.
• Original Assignee: CPI Card Group - Colorado Incorporated (CPI Card Group)
• Inventors: Hinson, Christopher, Johnson, Wilfred Frank Jr.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US13/523,653
• Time in Patent Office: 957 Days
• Field of Search: 235/375, 235/381, 235/486, 235/488, 235/492
• US Class Current: 235/375
• CPC Class Codes: G06F 21/86 Secure or tamper-resistant housings
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation

Abstract

A secure card package including features such that an activable card disposed in the secure card package is activable only upon separation of a first portion and a second portion. The first portion and the second portion are separably interconnected along a separation line such that upon separation of the first portion and the second portion a reference edge is defined. A machine-readable activation data field is disposed on one of the first portion or second portion with respect to the reference edge such that the machine-readable activation data field is only readable upon separation of the first portion and the second portion to define the reference edge.

Claims

1. A secure card package, comprising:

a first portion;

a second portion separably interconnected to the first portion along a separation line and separable from the first portion to define a reference edge of the secure card package that is established only upon the separation of the second portion from the first portion;

at least one activable card disposed within the first portion so that a proprietary account data field on the activable card is unreadable; and

a machine-readable activation data field comprising a magnetic stripe that is disposed with respect to the separation line, wherein upon separation of the second portion from the first portion to define the reference edge, the machine-readable activation data field is located relative to the reference edge such that machine-readable activation data field is only readable by a complimentary reader upon separation of the second portion from the first portion as the magnetic stripe is only indexed relative to the reference edge for passage through the complimentary reader.

2. A secure card package as recited in claim 1, wherein the machine-readable activation data field is disposed on an outer portion of the second portion.

3. A secure card package as recited in claim 2, wherein the at least one activable card is enclosed in the first portion.

4. A secure card package as recited in claim 1, wherein the first portion comprises opposing first and second panels and the at least one activable card is at least partially disposed therebetween.

5. A secure card package as recited in claim 4, wherein the first portion comprises an end connection interconnecting the first and second panels adjacent to the separation line.

6. A secure card package as recited in claim 5, wherein the first portion comprises side connections extending along corresponding edge portions of the first and second panels connecting the first and second panels along the length of at least the first portion.

7. A secure card package as recited in claim 6, wherein the first portion comprises an enclosed region between the first and second panels in which the at least one activable card is disposed.

8. A secure card package as recited in claim 7, wherein the opposing first and second panels are integrally interconnected along an adjoinment region.

9. A secure card package as recited in claim 8, wherein the adjoinment region is opposite the separation line on the first portion.

10. A secure card package as recited in claim 9, wherein the enclosed region remains enclosed upon separation of the second portion from the first portion.

11. A secure card package as recited in claim 10, wherein separation of the first panel from the second panel along the end connection or the side connection visually alters at least one of the first panel or the second panel.

12. A secure card package as recited in claim 11, wherein the machine-readable activation data field is on the first portion.

13. A secure card package as recited in claim 11, wherein the machine-readable activation data field is on the second portion.

14. A secure card package as recited in claim 11, wherein at least one of the first panel and the second panel comprise the second portion.

15. A secure card package as recited in claim 14, wherein the separation line comprises a perforation in at least one of the first panel or the second panel.

16. A secure card package as recited in claim 1, wherein the proprietary account data field remains unreadable upon separation of the second portion from the first portion.

17. A secure card package as recited in claim 16, wherein a predetermined amount of deflection of the first portion with respect to the second portion along the separation line visually alters at least one of the first portion or the second portion.

18. A secure card package as recited in claim 17, wherein the predetermined amount of deflection is no more than 90 degrees.

19. A secure card package as recited in claim 1, wherein the first portion comprises an aperture through which at least a portion of the at least one activable card is exposed.

20. A secure card package as recited in claim 19, wherein the machine-readable activation data field is disposed on the at least one activable card, and wherein the machine-readable activation data field is exposed through said aperture.

21. A method for handling a secure card package having at least one activable card at a point-of-sale location, comprising:

separating a first portion and a second portion along a separation line at the point-of-sale location to define a reference edge of the secure card package that is established only upon separation of the second portion from the first portion, wherein a machine-readable activation data field comprising a magnetic stripe is disposed with respect to the separation line, wherein upon separation of the first portion and the second portion the machine-readable activation data field is disposed relative to the reference edge to index the machine-readable activation data field relative to the reference edge such that the machine-readable activation data field is only readable by a complimentary reader upon the separating of the first portion from the second portion to define the reference edge for indexing of the machine-readable activation data field;

reading the machine-readable activation data field with a magnetic reading, wherein the reference edge indexes the machine-readable activation data field relative to the magnetic reading head, and wherein at least one activable card is activated upon reading the machine-readable activation data field with the magnetic reading head; and

retaining the at least one activable card in the first portion throughout the separating step so that a proprietary account data field on the at least one activable card is unreadable.