System and method for in-store activation of credit cards

• US 9,361,615 B1
• Filed: 06/25/2015
• Issued: 06/07/2016
• Est. Priority Date: 06/25/2015
• Status: Active Grant

• Current Assignee: Valero Services Incorporated (Valero Energy Corporation)
• Original Assignee: Valero Services Incorporated (Valero Energy Corporation)
• Inventors: Clemence, Christopher Max, Sperry, Craig, Prock, Teresa Jo, Christie, RaLynda Elaine, Chandler, Loretta Jeanne, Burns, Marvin Elton, Williams, Loyd Dane, Porter, Anne
• Primary Examiner(s): Lee, Seung
• Application Number:
  US14/750,533
• Time in Patent Office: 348 Days
• Field of Search: 235/380
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/348 Single-use cards, i.e. without possibility of recharging
• CPC Class Codes: G06Q 20/354 Card activation or deactivation

Abstract

A system and method provide for secure activation of physical credit cards from a display provided at a store. Temporary spending cards (TSP) for use as credit cards are provided in tamper evident packages found in the display. The TSPs are initially inactivated. Upon removal of the TSP from the package, a user may scan the QR code on the TSP to direct the user'"'"'s mobile device to a secure location that prompts the user for credit related information. A credit card system evaluates the information using business rules to determine whether or not to approve the user for activation. If approved, then the user is prompted to enter a serial number found on the card to allow immediate spending. The serial number is different from an account number for the card. The TSP expires within a predetermined relatively short time period.

Claims

1. A method for enabling in store credit card activation for a user, comprising:

providing a display at a store with one or more tamper evident packages comprising a temporary spending pass (TSP);

providing that said TSP comprises a serial number thereon that is not the same as a credit card account number with which said TSP is associated;

providing that said TSP comprises a QR code thereon;

providing that said QR code comprises information that directs a processor with a scanning device to a web location comprising a credit application that allows said user to enter credit related information;

providing a credit system programmed to provide approval or disapproval of credit for said user by an issuer; and

providing that upon approval by said credit system by said issuer that said user is queried whether or not said TSP is in possession of said user whereupon if said TSP is in possession of said user then upon correctly entering said serial number said TSP is activated for spending for a time period designated by the issuer.

2. The method of claim 1, further comprising that if said TSP is not in possession of said user then said user is given an option to activate another TSP.

3. The method of claim 1, further comprising providing that said plurality of tamper evident packages are also tamper resistant packages and further are visually and/or electromagnetically shielded.

4. The method of claim 1, further comprising providing a telephone number is provided with said tamper evident package which a user to can utilize to associate said TSP with a credit card account of said user.

5. The method of claim 1 further comprising a website address with said tamper evident package wherein said user can access and utilize said website to associate said TSP with a credit card account of said user.

6. The method of claim 1 further comprising utilizing a fourteen digit sequence number to produce said serial number, which is a ten digit number.

7. A system for enabling in store credit card activation for a user, comprising:

a display comprising one or more tamper evident packages each comprising a temporary spending pass (TSP);

a serial number on said TSP that is not the same as a credit card account number;

a QR code on said TSP, said QR code comprising information that directs a processor with a scanning device to a web location with a credit application that allows said user to enter credit related information;

a credit system programmed to provide approval or disapproval of credit for said user by an issuer;

said web location being provided with programming whereupon approval by said credit system by said issuer that said user is queried whether or not said TSP is in possession of said user and if said TSP is in possession of said user then upon correctly entering said serial number, then said TSP is activated for spending for a time period designated by the issuer.

8. The system of claim 7, wherein if said TSP is not in possession of said user then said user is given an option to activate another TSP.

9. The system of claim 7, wherein said plurality of tamper evident packages also comprise tamper resistant packages.

10. The system of claim 7, further comprising said tamper evident package comprising means for associating said TSP with a credit card account of said user.