CN101305380A - Presentation instrument display and activation systems and methods - Google Patents
Presentation instrument display and activation systems and methods Download PDFInfo
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- CN101305380A CN101305380A CNA2006800394327A CN200680039432A CN101305380A CN 101305380 A CN101305380 A CN 101305380A CN A2006800394327 A CNA2006800394327 A CN A2006800394327A CN 200680039432 A CN200680039432 A CN 200680039432A CN 101305380 A CN101305380 A CN 101305380A
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Abstract
A method of validating and activating a purchase card includes: providing a purchase card that is removably attached to a card carrier, wherein the purchase card has an account identifier associated therewith and has a card indicium affixed thereto, wherein the purchase card includes a machine-readable information encoding region into which the account identifier is encoded, and wherein the card carrier has a carrier indicium affixed thereto; populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium; at a point-of-sale device and in response to a customer request to purchase the purchase card, entering information from the card indicium into the point-of-sale device; at the point-of-sale device, entering information from the carrier indicium into the point-of-sale device; comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium; and based at least in part on the comparing step, activating the card by associating value to it.
Description
Technical field
Embodiments of the invention are usually directed to presentation instrument (presentation instrument).More specifically, inter alia, embodiments of the invention provide prepayment presentation instrument checking and activation system and method.
The cross reference of related application
The application is that Tonya Andersen equals to submit on August 23rd, 2005, name is called U.S. Provisional Patent Application No.60/711 " PRESENTATION INSTRUMENT DISPLAY; AND ACTIVATIONSYSTEMS AND METHODS ", co-pending, commonly assigned, 017 non-provisional application, and require its rights and interests, for various purposes this application is incorporated in full at this.
The application relates to following co-pending, commonly assigned U.S. Provisional Patent Application, for various purposes each application in the described application is incorporated herein by reference in full at this: on March 17th, 2004 submitted to, name is called the U.S. Patent application No.10/803 of " CARD DISPLAY SYSTEM AND METHOD ", 814; On February 15th, 2005 submitted to, name is called the U.S. Patent application No.1I/059 of " TRANSACTIONCARD ASSEMBLIES AND METHODS ", 298; On April 27th, 2005 submitted to, name is called the U.S. Patent application No.11/117 of " TAMPER RESISTANT PRESENTATIONINSTRUMENTS AND METHIDS ", 606; On May 4th, 2005 submitted to, name is called the U.S. Patent application No.11/122 of " SYSTEM AND METHOD FOR ACCOUNTINGFOR ACTIVATION OF STORED VALUE CARDS ", 414; On May 11st, 2005 submitted to, name is called the U.S. Patent application No.60/680 of " TRANSACTION CARDCARRIER ASSEMBLIES ", 408; On May 11st, 2005 submitted to, name is called the U.S. Patent application No.11/128 of " SYSTEM AND METHOD FOR DETECTINGFRAUDULENT USE OF STORED VALUE INSTRUMENTS ", 115; On May 11st, 2005 submitted to, name is called the U.S. Patent application No.60/680 of " SECURITY SYSTEMSFOR A PAYMENT INSTRUMENT ", 379; On May 11st, 2005 submitted to, name is called the U.S. Patent application No.60/680 of " ANTI-FRAUD PRESENTATIONINSTRUMENTS, SYSTEMS AND METHODS ", 383; On May 18th, 2005 submitted to, name is called the U.S. Patent application No.11/132 of " MONEY TRANSFER CARDS, SYSTEMS AND METHODS ", 710; And on June 17th, 2005 submit to, name is called the U.S. Patent application No.11/155 of " TRANSACTION CARD CARRIERASSEMBLIES ", 323.
Background technology
The prepayment presentation instrument of Stored Value type or other type (for example, gift card, debit card, prepaid credit card, phonecard etc.) is becoming more and more welcome, in particular as the means of Qian Congyi individual being transferred to another person.Consider that they are acceptable widely, they provide the convenience near cash, thereby have avoided the actual needs that carry cash.In addition, any one that can be from multiple source is worth to their " loadings ".Therefore, the buyer does not need to take cash to obtain this card.In addition, Stored Value type presentation instrument makes the buyer of credit difference and/or hope keep the buyer of anonymity can enjoy the shopping of credit card.
Passive Stored Value type presentation instrument, particularly gift card are shown to be used in the shopping of similar typical retail item, and it shows near the cashing machine of retail shop usually, comes to do shopping for the shopper facilitates to visit and increase impulsion.Stored Value type presentation instrument does not have loaded value usually when showing.Yet, have the people to find out multiple mode at present known safety practice lost efficacy.For these and other reason, for presentation instrument, particularly Stored Value type presentation instrument needs improved checking and activation system and method.
Summary of the invention
Embodiments of the invention provide a kind of method that is used to verify and activate purchase card.Described method comprises provides the purchase card that is attached to card carrier (card carrier) removedly.Described purchase card has account identification symbol associated therewith, and has the card mark (card indicium) that appends on it.Described purchase card comprises the machine sensible information code area, and described account identification symbol is encoded in the described machine sensible information code area.Described card carrier has the carrier indicium that appends on it.Described method also comprises to database fills the carrier indicium of card mark, the relevant storage with described carrier indicium of the storage relevant with described card mark and the account identification of the storage of being correlated with described account identification symbol accords with.This matches described account identification symbol with described card mark uniquely mutually.Described method also comprises: at the point of sale device place and in response to client's request of buying purchase card, will be input to from the information of described card mark in the described point of sale device.Described method also comprises: at the point of sale device place, to be input in the described point of sale device from the information of described carrier indicium, to compare from the information of described card mark with from the information of described carrier indicium and the card mark of being stored and the carrier indicium of being stored, and to small part based on described comparison step, by being worth the associated described card that activates.
In certain embodiments, described method comprises described account identification symbol is input in the described point of sale device that in this case, described comparison step comprises that the described account identification symbol with described card compares with the account identification symbol of being stored.Described account identification symbol is input to described point of sale device can comprises that reading described account identification from described machine sensible information code area accords with.Described account identification symbol can be stamped on the described card, in this case, described account identification symbol is input to described point of sale device can comprises that the office worker keys in described point of sale device with described account identification symbol.Described method can also comprise uses described card that transaction is settled accounts, in this case, using described card that the account identification symbol that comprises described card is settled accounts in transaction is input in the point of sale device, to be input to from the information of described card mark in the point of sale device, with described account identification symbol, described information and settlement of transactions amount from described card mark send to mainframe computer system, at described mainframe computer system place, with described account identification symbol and the account identification symbol of being stored, will from the described information of described card mark and the card mark of being stored and with described settlement of transactions amount with and the quantity of the value that is associated of described card compare, and to small part based on described comparison step, the described settlement of transactions amount of debit (debit) from the quantity of the value that is associated with described card.
In certain embodiments, transaction settled accounts to be included in ATM (Automatic Teller Machine) and to receive cash, the purchase transaction clearing are debit card transactions, the purchase transaction clearing are credit card trade, and/or the purchase transaction clearing are concluded the business for gift card.Described card mark can comprise bar code and/or RFID tag.Described purchase card can be gift card, prepaid debit card, stored value card and/or credit card.Described point of sale device can be checkout scanner (checkout scanner).Described machine sensible information code area can be magnetic stripe and/or RFID tag.To compare from the information of described card mark with from the information of described carrier indicium and the card mark of being stored and the carrier indicium of being stored and to comprise the described card mark that to read from described card and send to the processor that is associated with described database from the described carrier indicium that described carrier reads, from described database, extract the card mark of being stored and the carrier indicium of being stored, and the described card mark that will read from described card and compare from described carrier described carrier indicium that reads and the card mark of being stored and the carrier indicium of being stored.Described database can comprise local data base.Described database can comprise the database that is associated with mainframe computer system.
In certain embodiments, described carrier can have password associated therewith, in this case, associatedly activates described card and can be included in and activate the place and receive the request of activation by being worth.Described activation request can comprise described password and described account identification symbol.Activate described card and can also comprise that the password of being stored that will be associated with described account identification symbol in described password and the database compares, reception will be loaded into the quantity of the value on the described card, if and the result of described comparison step mates, then activate described purchase card.Described activation place can be website, interactive voice response unit and/or call center.
In other embodiments, a kind of checking and the method that activates purchase card comprise, at the mainframe computer system place, the checking request from point of sale device of receiving is to verify described card.Described checking request comprises card mark and carrier indicium.Described method also comprises, at described mainframe computer system place, one of use in described card mark and the described carrier indicium and to have the card mark of storage, the card mark of the storage that the location is relevant in the database of the carrier indicium of storage and account identification symbol and the carrier indicium of storage, described card mark is compared with the card mark of being stored and with described carrier indicium and the carrier indicium of being stored, based on described comparison, to verify that message sends to described point of sale device, the quantity of the value that reception will be associated with described card, and on described mainframe computer system the storage described value quantity.
In certain embodiments, described checking request also comprises the account identification symbol that is associated with described card, in this case, described card mark is comprised with the step that the carrier indicium of being stored compares with the card mark of being stored and with described carrier indicium: the account identification symbol that will be associated with described card compares with the account identification symbol of being stored.Described checking message can comprise with described card mark and carrier indicium in one of the account identification symbol of storage explicitly, in this case, described method can comprise the affirmation that receives the account identification symbol of being stored about the account identification symbol coupling that is associated with described card from point of sale device.Described method also comprises uses described card to come purchase transaction is settled accounts, in this case, use described card that transaction is settled accounts and can be comprised: the account identification that receives from described card from point of sale device at the mainframe computer system place accords with, receive described card mark at the mainframe computer system place from point of sale device, receive the settlement of transactions amount at the mainframe computer system place, at the mainframe computer system place described account identification symbol is accorded with the account identification of being stored, with described card mark and the card mark of being stored and with described settlement of transactions amount with and the quantity of the value that is associated of described card compare, and to small part based on described comparison step, the described settlement of transactions amount of debit from the quantity of the value that is associated with described card.
In certain embodiments, to transaction settle accounts can be included in ATM (Automatic Teller Machine) receive cash, with the purchase transaction clearing for debit card transactions, the purchase transaction clearing are credit card trade, and/or the purchase transaction clearing are concluded the business for gift card.Transaction settled accounts to be included in activate the place and receive the request of activation, in this case, described activation request can comprise account identification symbol and password.The quantity that receives the value be associated with described card can also comprise and comparing according with the password of being stored that is associated with described account identification in described password and the database, reception will be loaded into the quantity of the value on the described card, if and the result of described comparison step mates, then activate described purchase card.Activating the place can be website, interactive voice response unit and/or call center.
In other embodiments, the retail item of purchase comprises that purchase card and purchase card are attached to the carrier on it removedly.Described purchase card has account identification symbol associated therewith.Described purchase card has the card mark that appends on it.Described purchase card comprises the machine sensible information code area, and described account identification symbol is encoded in the described machine sensible information code area.Described purchase card is attached on the described card carrier removedly, thereby makes described card mark be can read accessing.Described card carrier has the carrier indicium that appends on it.
In certain embodiments, described jig has impression account identification symbol thereon.Described card mark can comprise wherein encoding the bar code of described card mark to be arranged and/or wherein encode the RFID tag of described card mark.Described purchase card can comprise gift card, prepaid debit card, stored value card and/or credit card.Described machine sensible information code area can be magnetic stripe and/or RFID tag.
Description of drawings
Remainder by the reference instructions and accompanying drawing can be realized the further understanding to characteristics of the present invention and advantage, and wherein in whole some accompanying drawings, similarly reference marker is used to refer to similar assembly.In addition, by adding that behind reference marker dotted line and region class can distinguish the different assemblies of same type like second mark of assembly.If only use first reference marker in instructions, then described description is applicable to any one in the similar assembly with identical first reference marker, and no matter second reference marker how.
Figure 1A to the 1C illustration first exemplary purchase card and carrier according to an embodiment of the invention.
Fig. 2 A and 2B illustration second exemplary purchase card and carrier according to an embodiment of the invention.
Fig. 3 illustration exemplary purchase card validation and activation system according to an embodiment of the invention.
Fig. 4 illustration be used to verify and activate first method of purchase card according to an embodiment of the invention, this method can realize in the system of Fig. 3.
Fig. 5 illustration be used to verify and activate second method of purchase card according to an embodiment of the invention, this method can realize in the system of Fig. 3.
Fig. 6 illustration be used to verify and activate third party's method of purchase card according to an embodiment of the invention, this method can realize in the system of Fig. 3.Method among Fig. 6 is specially adapted to the card/card carrier embodiment among Fig. 2 A and the 2B.
Fig. 7 illustration settlement system according to an embodiment of the invention.
Fig. 8 illustration settlement method according to an embodiment of the invention, this method can realize in the system of Fig. 7.
Embodiment
According to embodiments of the invention, presentation instrument is attached on the carrier and is shown to be used in doing shopping at retail shop.Presentation instrument includes but not limited to gift card, stored value card, prepaid debit card, prepaid credit card etc. according to an embodiment of the invention, hereinafter be referred to as " purchase card " or abbreviate " card " as, but presentation instrument is not limited to according to an embodiment of the invention " card ", it for example can comprise transmission cards (emissive fob) or other radio-frequency (RF) identification (RFID) equipment, for example, purchase card can have " chip " or the out of Memory memory device on the purchase card of being integrated into, loaded value on described " chip " or out of Memory memory device.In other embodiments, described chain jamming is received on the account at mainframe computer system place, at this position storing value.Therefore, by carrying out coming alternately transaction to settle accounts to relevant with back one class with mainframe computer system.Also there is other example.
According to some embodiment, purchase card comprises that coding has magnetic stripe or other machine readable/writable area of the expression of account identification symbol and/or account identification symbol.In certain embodiments, the account identification symbol also is stamped on the described card.Magnetic stripe can be accessed before activating, and accords with information so that the office worker can brush out (" swipe ") account identification from described card when purchase card is sold and it verify.In other embodiments, encapsulate described card, make that described magnetic stripe is an inaccessible when described purchase card is shown to be used in buying.If before buying, encapsulation is distorted, and then abandons this card.Described purchase card also has machine-readable markers, and as bar code, it is printed on the described card or otherwise appends on the described card.
Described purchase card is attached on the carrier, is used for showing at retail shop.Described carrier can comprise advertisement, name of product or sign, time limit and condition, activation indication etc.Described carrier also has machine-readable markers, and as bar code, it is printed on the described carrier or appends on the described carrier.Described card mark can identically maybe can be inter-related uniquely each other with described carrier indicium, to prevent utilizing " vacation " card to replace former card.
In certain embodiments, purchase card/carrier has related password.The scratch-off region of described password on can suppressed by vector hidden or inaccessible before buying otherwise.
When client when checkout attendant is shown purchase card, this waiter begins card checking and/or activation.It should be noted that term " checking " is used for being often referred to determines that this blocks effective process here.That is to say, determine whether by for example different account numbers being encoded on the magnetic stripe, different cards being attached to the first-class process that described card is modified of carrier.As used herein, " activation " is often referred to the process of value being distributed to this card.In certain embodiments, these two functions can take place simultaneously.In other embodiments, for example verify described card, activate described card by the buyer subsequently at retail shop, as described below.
Checkout attendant is initiated described process by one in scanning carrier or oneself machine-readable markers on one's body of card.It is relevant with purchase card validation transaction that checkout scanner can identify this transaction according to described mark.This may be because the inventory system (inventory system) relevant with retail shop will be identified as in the scope of being correlated with this purchase card by relevant number with described mark.In certain embodiments, waiter selects the button on the checkout scanner, and this button can suitably make scanner can carry out this kind transaction.Waiter is scanned second machine-readable markers subsequently.
In certain embodiments, the information of two marks is sent to mainframe computer system, on this mainframe computer system, this information and institute's canned data are compared via network.In order to make purchase card effective, the information of two marks must be mated, and is perhaps related uniquely each other.This can determine by the database of information with reference to the stock of the reflection card stored.
In certain embodiments, can also check account number.This can adopt different ways to finish.For example, if this information passes through to check that then mainframe computer system can return the account identification symbol of storing with label information, and waiter compares account identification symbol that is returned and the account number that is stamped on the described card.Only when these numbers match, just allow to continue to activate described purchase card.
In other embodiments, waiter is input to account number in the checkout scanner, to be transferred to mainframe computer system.Waiter can import account number by manually keying in the number that is stamped on the described card.In certain embodiments, waiter brushes this card by card reader, thereby reads this machine-readable region (for example, magnetic stripe).Account number can or be sent to mainframe computer system when sending described two marks in step subsequently.In any one of these embodiment, account number relatively occurs in the mainframe computer system place, and if describedly relatively pass through, then return checking message.Otherwise process end and described card are disabled.
In certain embodiments, needn't send label information and/or account identification symbol information to mainframe computer system.Must information can keep at the retail shop place.When described card when the seller receives the stock, this kind information can be filled in the inventory system of retail shop.Otherwise described process just is being sent to mainframe computer system as information and is carrying out.
In case verified purchase card, then can activate this purchase card on it by value is loaded into subsequently.This value can load in the point of sale, perhaps can wait and load via for example website, interactive voice response unit (IVR), call center subsequently.If load at the store place, then waiter inquires client will load how many values to card, and this quantity is added on always the signing a bill of client.Described information also is sent to mainframe computer system, and stores explicitly with described account identification symbol.Then, visit described value by client in any mode as described below.
Activate described card safely in order to make client can use website, IVR to wait, described purchase card can have password associated therewith.Described password for example is printed on the carrier and by scratch-off region to be hidden.In certain embodiments, described password is printed on a slice paper that seals in the envelope, perhaps otherwise the shopping before inaccessible.If client or waiter notice that password exposes before buying, then purchase card can be destroyed and be bought another purchase card.In certain embodiments, be verified the back at card and return password, and described password is offered client's (for example, being printed on client's the receipt) from mainframe computer system.
If described card is activated after a while by client, then client can by call out IVR or call center, access websites waits and finishes this activation.Client's number that accesses to your account visits the account relevant with described purchase card in conjunction with secret password.If also there is not loaded value, then client discerns the quantity and the identification source of funds of the value that will load.If load this value in the point of sale, then client can finish this activation at IVR or website simply.Even in the embodiment that the point of sale loads, also can wait and load extra value after the client by calling IVR, access websites, contact call center at initial value.Client can also revise password, and value is transferred to another card or card holder etc.
Those skilled in the art will recognize according to many other examples of the present disclosure.For example, in certain embodiments, account number (also being called the account identification symbol) can comprise letter or other symbol.Purchase card can be " fob " or other radio-frequency (RF) identification (RFID) equipment.In certain embodiments, the biology that client is carried out is measured (fingerprint, retina scanning etc.) and can be used as password.
In certain embodiments, in case be activated, then described card is exactly " virtual ", and in this case, the biology that client is carried out is measured, the account number of storage etc. is used to initiate the transaction of using virtual purchase card to carry out.
First and second machine-readable markers can be one-dimensional bar code, two-dimensional bar, RFID transmitter, via readable character of optical character identification scanner etc.In certain embodiments, described mark only uses once, thereby makes a plurality of cards not use same tag to circulate.
In certain embodiments, the card of buying in the retail point is a temporary card.In case this card is verified and is activated, then can provide permanent card to client.This can utilize personalization (personalization) process to carry out, and the card holder provides personal information in the point of sale or via call center, IVR, website etc. in individuation process, as name, address etc.
In case be activated, then client can use this card as common credit card.In certain embodiments, can will block with password at ATM (Automatic Teller Machine) (ATM) and be used in combination extra value of access cash, branch value, loading etc.In certain embodiments, client can make the purchase card combining cipher and be used as debit card, to buy commodity or service.Many other types of transaction also are possible.
In certain embodiments, if a plurality of criteria match institute canned data, then client only is allowed to use this to block and finishes shopping.For example, pay shopping in case show gift card, then the cashier can brush the account identification symbol on the magnetic stripe and the bar code of scanning card.This information and trading volume are sent to mainframe computer system, at the mainframe computer system place, account identification symbol and bar code and institute's canned data are compared.The value of this value and remaining storage compared whether to exist enough values with check be that transaction is provided with funds.Only when all these inspections are all passed through, just allow to conclude the business.It will be appreciated by those skilled in the art that according to many other distortion of the present disclosure and embodiment.
Described embodiments of the invention on the whole, paid close attention to Figure 1A-C, its illustration block the instantiation of carrier 100 and purchase card 102 according to an embodiment of the invention.Card carrier 100 has front portion 104 and back portion 106, and can comprise the hole 108 that is used for feasible convenient demonstration.The card carrier can also comprise name of product or logo area 110 and advertisement area 112.Those skilled in the art can understand, and the specific embodiment of Figure 1A-1C only is according to the example among a plurality of possibility embodiment of the present invention.
Machine-readable markers 118 is printed on the back side of card 102.In this specific embodiment, machine-readable markers is an one-dimensional bar code, but other mark comprises two-dimensional bar, can launch label etc. by character, the RFID that the OCR scanner reads.Machine-readable markers 118 can view by the hole in the carrier 100 120,121, and in the hole 120,121 one overleaf in the part 104, one in front portion 106.
Machine-readable markers 122 is printed on the back portion 106 of carrier 100.Though mark 118,122 needn't be identical, described be marked in the mainframe computer system unique each other relevant, as hereinafter describing.
Carrier can also comprise time limit and condition portion 130, indicator 132 etc.
Fig. 2 A and 2B illustration the second exemplary card carrier 200 and card 202 according to an embodiment of the invention.In this embodiment, account number is not stamped on this card.In addition, in this embodiment, the front portion 204 of carrier and back portion 206 only are the opposite sides of non-folded carrier.In this embodiment, the magnetic stripe 216 of card 202 can not be visited by card reader, and can be encapsulated in the anti-tamper encapsulation.Others, the final two digits of each corresponding reference marker relates to similar characteristics, so described embodiment is substantially similar.
Pay close attention to Fig. 3, Fig. 3 illustration system 300 according to an embodiment of the invention.Those skilled in the art will appreciate that system 300 only is the example according to a plurality of possible embodiment of the present invention.System 300 comprises mainframe computer system 302 and network 304, and by network 304, retail shop 306 communicates with mainframe computer system 302.Mainframe computer system 302 can comprise for example server 308, database storage arrangement 310, workstation computer 312 etc.Retail shop 306 can comprise checkout scanner 313, local database storage arrangement 314 etc.User's (for example, purchase card customers) can also for example use personal computer 316 to communicate via network 304 and mainframe computer system 302.
When operation, the mark of each card and card carrier is stored in the database storage arrangement 310.As stated previously, although described mark needn't be identical, the right mark of each card/card carrier is stored in together, perhaps otherwise unique indication relatively.In specific embodiment, database storage arrangement 310 comprises record with the field that is used for each mark, the account identification symbol that is associated with the related card of described mark, the password (if you are using) that is associated with described card, and heap(ed) capacity, described heap(ed) capacity normally empty or be zero, being activated and being worth up to card is loaded.
Come when retail shop is bought when card shows, scanner 313 is used for mark on the scanning card and the mark on the carrier.In certain embodiments, waiter can also import account number or scan account number from magnetic stripe.Waiter can also import the indicated heap(ed) capacity of shopper.Described information is sent to mainframe computer system 302 subsequently to verify.If mark is confirmed to be the connection and be associated with account number of being relative to each other, then described heap(ed) capacity is stored in the record that is associated in the database storage arrangement 310, and checking message is returned to scanner.Then, the shopper finishes described transaction by the fund of remitting in known manner.Therefore, in this embodiment, describedly be stuck in the process checking and be activated.
If this card can then can be used by scanner or other native processor and finish this comparison from the information of local database storage arrangement 314 at local verification.Termly, local database storage arrangement 314 can be synchronous with the database storage arrangement 310 at mainframe computer system 302 places.In other embodiments, this value is actual to be stored on this card, thereby needn't keep account balance at the mainframe computer system place.Other embodiment also is possible.
In certain embodiments, the buyer is not in the point of sale loaded value.The buyer can be these some ratings of card payment, and waits and finish activation by calling IVR, Website login subsequently.For example, the shopper can find a station address (that is, URL) in the indication on being printed on the card carrier.Client uses his personal computer 316 to visit the website, and input is from the card and the account number and the password of carrier, and the account that is associated with described card of visit.The website can the host on server 308 for example.Then, client can make described account personalization, loaded value, branch value, revise his password etc.
Pay close attention to Fig. 4, Fig. 4 illustration verify and activate the method 400 of purchase card according to an embodiment of the invention.Described method can be in the system of Fig. 3 or other suitable system specific implementation.Those skilled in the art will appreciate that method 400 only is exemplary, and according to other method of other embodiment can have than here illustrated with describe more, still less or different steps.In addition, other method according to other embodiment can travel through step illustrated and that describe here with different orders.
Method 400 starts from square frame 402, at square frame 402, is used to the information padding data storehouse from one or more cards and card carrier.Described information comprises the mark of card, the mark of card carrier and the account identification symbol that is associated.In certain embodiments, also store password.Then, described card can be purchased.
At square frame 404, the shopper shows this card and does shopping at retail shop.Checkout attendant makes the checkout scanner that is used to conclude the business can verify described card.For example, waiter can select the button on the scanner, and this button is told scanner, and transaction subsequently relates to a plurality of steps, and can not obscure with common purchase article.In other embodiments, start described scanner, in subsequent step, mark (for example, bar code) is scanned by subsequent step.Scanner is purchase card according to the information that reads from mark with this article identification, and correspondingly responds.
In step 406, waiter's scanning or " brushing out " are from the information of article one font code or other mark.This can be the bar code 122 that for example blocks on the back side of carrier 100.What follow this step closely is at square frame 408 scannings or brush second font code or other mark.At square frame 410, waiter keys in the account number on the front of card.Then, at square frame 412, information is sent to mainframe computer system (for example, 302 among Fig. 3).
In certain embodiments, checkout scanner controlled step 406,408,410 and 412 order.For example, if checkout attendant selects this scanner that makes on the scanner can carry out the button of this transaction, then the display screen of scanner can indicate waiter at first to scan carrier indicium.Scan carrier indicium in response to waiter, scanner indication waiter scanning card mark.After waiter had been scanned the card mark, scanner indication waiter keyed in the account identification symbol.In case finish, then scanner sends to mainframe computer system with this information.
In certain embodiments, scanner indication waiter brushes this card by card reader, to read the account identification symbol from this card.The account identification of brushing this card accords with can guaranteeing to have no talent into distorts this magnetic stripe in the magnetic stripe by different account numbers is encoded.In other embodiments, be enclosed in such as those cards and allow visually to visit in the anti-tamper encapsulation of account identifier, waiter can only key in the account identification symbol simply.
In certain embodiments, at square frame 412, information is not sent to mainframe computer system.This information can local processing in native processor and inventory database.
In certain embodiments, the information from two marks of testing out match each other and/or with institute canned data coupling before, do not import account number.Many other examples also are possible, and the embodiment such as discussing at Fig. 6 in the embodiment of Fig. 6, will not test to account number and be used as the part of checkout procedure.
The description of continuation method 400, at square frame 414, mainframe computer system check whether match each other from the information of two marks and/or with institute's canned data coupling.Described mainframe computer system is also determined the account identification symbol by waiter's input, no matter be scanning or key in, whether mate the account identification symbol of being stored.If described information does not match, then at square frame 416, mainframe computer system returns " dead card " message.Otherwise, at square frame 418, continuing activation, mainframe computer system is imported the quantity that client wishes to be loaded into the value on this card at square frame 418 inquiry point of sale devices.
If this card will be at point-of-sale activation, then at square frame 420, waiter can wish client that the quantity that is loaded into the value on this card is input to point of sale device.The quantity of described value is sent to described mainframe computer system, and at square frame 422, the quantity of storing this value is to use when using this card that transaction is settled accounts after a while.Be right after method 500 illustrations that to describe thereafter and activate this card in checking back, point of sale with having described at this card.
Be right after any activation scheme, at square frame 424, client can use this card when transaction.Described transaction can be on the ATM cash withdrawal, will block as the purchase transaction of debit card, the person of receiving gifts that will block the purchase transaction as credit card, initial buyer or buyer and will block the purchase transaction that is used as gift card.Many this kind examples are possible.
Fig. 5 illustration checking and activate the exemplary method 500 of purchase card, wherein activate occur in this and be stuck in the point of sale checking after.In this method 500, many steps are identical with the step of Fig. 4 discussion relatively.Similar step is indicated with reference to last two of reference marker.Difference between the embodiment of Fig. 4 and Fig. 5 starts from square frame 530, at square frame 530, buy this card closing the transaction and not to this card loaded value.Client finishes transaction by paying for the article of this card and any other purchase.It will be understood by those skilled in the art that in certain embodiments this card value can be for a certain ratings or is not worth fully.
Then, at square frame 532, the card buyer waits by contact IVR, call center, website and initiates to activate.After initiating activation, client provides account identification symbol and password, tests at square frame 534 pairs of account identifier and password.
If account identification symbol that account identification symbol and password coupling are stored and the password that is associated, then at square frame 536, client can load or the reloading value to this card.At square frame 538, the quantity of the value that client's input will load, and remittance is paid.This value is added on the value that is pre-existing in, to be used for use when transaction is settled accounts afterwards.
In certain embodiments, at square frame 540, client can be with the transfer of funds to another card or card holder.The quantity of the value that this will accord with and will shift by the account identification of input reception account is finished.This is for example useful when the on-line payment bill.
At square frame 542, client can also make this card personalized by input personal information (for example, name, address etc.).For the card such as prepaid debit card, credit card etc., this is particularly useful, and described cartoon often need be carried out personalization before being accepted by transaction.In case client makes this card personalized, then can and send permanent, personalized card in square frame 542 preparations.It can make any mark relevant with temporary card (for example, bar code), and being under an embargo reuses, to prevent account duplication.
Fig. 6 illustration another exemplary authentication and Activiation method 600 according to an embodiment of the invention.This embodiment relates in general to card/card carrier of the embodiment of Fig. 1, and wherein account number is not stamped on this card.Equally, in this example embodiment, the last two digits of each reference marker is represented and the previous similar step of method embodiment.
In this embodiment, account number is not in the check of place, point of sale.Therefore, execution in step x10 not.Others, this embodiment carries out according to the embodiment of Fig. 4, up to square frame 422.Comprise a few additional steps according to next transaction is settled accounts of the use card of present embodiment, as will be described.
At square frame 660, the card holder shows card transaction is settled accounts.The use card of this embodiment comes transaction settled accounts and is included in square frame 662 and reads card mark and read account identification at square frame 664 and accord with.These steps for example comprise scanning bar code and swipe the card.At square frame 666, this information is sent to mainframe computer system.Except that information that reads from described card mark and account identification symbol, described information also comprises trading volume.Compare at square frame 668, if described information does not match or the value of being stored is not enough to transaction is settled accounts, then at square frame 670 these cards of refusal.Otherwise at square frame 672, relative value of storing comes transaction is settled accounts.
Each settlement channel can comprise intermediate mechanism 710,712,714, and it guides described transaction suitably, thereby makes necessary mandate and/or settlement detail finally arrive mainframe computer system 302, as previous described with reference to Fig. 3.Intermediate mechanism can comprise the transaction processor for example businessman's that POS was positioned at transaction handled, merchant bank (acquiring bank), issuer (issuinginstitution) etc.It will be apparent to one skilled in the art that according to some embodiment the single-processor that described network can and be used to handle all intermediate active between POS equipment 702 and the mainframe computer system 302 merges.
Fig. 8 illustration settlement method 800 according to an embodiment of the invention.This method starts from square frame 802, this moment block the holder show card transaction is settled accounts.At square frame 804, account number is imported into POS equipment, as checkout scanner.At square frame 806, determine whether transaction is relevant with the stored value card of gift card or other type.Should determine to wait with reference to account number, card holder's selection, waiter and carry out.If use gift card to come transaction is settled accounts,, read card mark (for example, bar code) then at square frame 808.At square frame 810, described information is sent to mainframe computer system, and, determine whether this information is mated institute's canned data and whether existed enough funds to come transaction is settled accounts at square frame 812.If any inspection failure is returned suitable message then at this card of square frame 814 refusals, and to POS.Otherwise at square frame 816, prepaid amount comes transaction is settled accounts relatively.
Turn back to determining of carrying out in the square frame 806, if the not relative gift card of described transaction is settled accounts, then at square frame 818, whether relative debit card is settled accounts to determine described transaction.As previous definite process, this can wait by reference account number, the input that blocks the holder, waiter's input and carry out.If described card is used as debit card, then at square frame 820, client inputs password.Suppose described password and account number match institute's canned data and exist enough values to come transaction is settled accounts, then, transaction is settled accounts at square frame 822.
If this card is not used as debit card or gift card, then it can be used as credit card.If like this,, be credit card trade with settlement of transactions then at square frame 824.This can comprise finishes mandate, and wherein value that relatively should card loading is treated to credit line, and only concludes the business when having enough remaining sums and just be authorized to.Then, can settle accounts transaction in known manner in batches.Those skilled in the art will be understood that many other clearing embodiment according to the disclosure herein content.
Described some embodiment, it will be recognized by those skilled in the art, can under the situation that does not deviate from spirit of the present invention, use various modifications, replace the structure and the equivalent form of value.In addition, for fear of the present invention being produced unnecessary obscuring, many well-known processes and element are not described.Therefore, foregoing description should not be considered to the scope of the present invention that limits in following claim is limited.
Claims (27)
1, a kind of method that is used to verify and activate purchase card comprises:
The purchase card that is attached to the card carrier removedly is provided, wherein said purchase card has account identification symbol associated therewith, and has the card mark that appends on it, wherein said purchase card comprises the machine sensible information code area, described account identification symbol is encoded in the described machine sensible information code area, and wherein said card carrier has the carrier indicium that appends on it;
Fill the carrier indicium of card mark, relevant storage of the storage relevant and the account identification of the storage relevant to database and accord with, match mutually with described card mark thereby uniquely described account identification is accorded with described account identification symbol with described card mark with described carrier indicium;
In response to client's request of buying described purchase card, will be input in the described point of sale device at the point of sale device place from the information of described card mark;
At described point of sale device place, will be input in the described point of sale device from the information of described carrier indicium;
To compare from the information of described card mark with from the information of described carrier indicium and the card mark of being stored and the carrier indicium of being stored; And
At least in part based on this comparison step, activate described card by being worth to be associated with described card.
2, the method for claim 1, wherein described method also comprises the described point of sale device of described account identification symbol input, and wherein said comparison step comprises that the described account identification symbol with described card compares with the account identification symbol of being stored.
3, method as claimed in claim 2 wherein comprises that with the described point of sale device of described account identification symbol input reading described account identification from described machine sensible information code area accords with.
4, method as claimed in claim 2, wherein said account identification symbol is stamped on the described card, and wherein the described point of sale device of described account identification symbol input is comprised that waiter keys in described point of sale device with described account identification symbol.
5, the method for claim 1 also comprises and uses described card that transaction is settled accounts, and wherein uses described card that transaction is settled accounts and comprises:
Described account identification symbol input point of sale device with described card;
To import described point of sale device from the information of described card mark;
With described account identification symbol, send to mainframe computer system from the information and the settlement of transactions amount of described card mark;
At described mainframe computer system place, with described account identification symbol accord with the account identification of being stored, will from the described information of described card label information and the card mark of being stored and with described settlement of transactions amount with and the quantity of the value that is associated of described card compare; And
At least in part based on this comparison step, the described settlement of transactions amount of debit from the quantity of the value that is associated with described card.
6, method as claimed in claim 5, wherein, transaction settled accounts comprise the selection of from the group that constitutes by following actions, carrying out:
On ATM (Automatic Teller Machine), receive cash;
The purchase transaction clearing are debit card transactions;
The purchase transaction clearing are credit card trade; And
The purchase transaction clearing are the gift card transaction.
7, the method for claim 1, wherein described card mark comprises from by the selection of carrying out the following group that constitutes:
Bar code; And
RFID tag.
8, the method for claim 1, wherein described purchase card comprises from by the selection of carrying out the following group that constitutes: gift card, prepaid debit card, stored value card and credit card.
9, the method for claim 1, wherein described point of sale device comprises checkout scanner.
10, the method for claim 1, wherein described machine sensible information code area comprises the selection of carrying out from the group that is made of magnetic stripe and RFID tag.
11, the method for claim 1, wherein will compare and comprise from the information of described card mark with from the information of described carrier indicium and the card mark of being stored and the carrier indicium of being stored:
The described card mark that will read from described card and send to the processor that is associated with described database from the described carrier indicium that described carrier reads;
From described database, extract card mark of being stored and the carrier indicium of being stored; And
The described card mark that will read from described card and compare from described carrier described carrier indicium that reads and the card mark of being stored and the carrier indicium of being stored.
12, the method for claim 1, wherein described database comprises local data base.
13, the method for claim 1, wherein described database comprises the database that is associated with mainframe computer system.
14, the method for claim 1, wherein described carrier has password associated therewith, and wherein activates described card and comprise by being worth to be associated with described card:
Activating place reception activation request, wherein said activation request comprises described password and described account identification symbol;
With in described password and the described database and the password of being stored that is associated of described account identification symbol compare;
Reception will be loaded into the quantity of the value of described card; And
If the result of described comparison step is mated, then activate described purchase card.
15, method as claimed in claim 14, wherein, described activation place comprises from by the selection of carrying out the following group that constitutes:
The website;
Interactive voice response unit; And
The call center.
16, a kind of method that is used to verify and activate purchase card comprises:
At the mainframe computer system place, receive the checking request that is used to verify described card from point of sale device, wherein said checking request comprises card mark and carrier indicium;
At described mainframe computer system place, one of use in described card mark and the described carrier indicium card mark of being stored that the location is relevant in the database of card mark, the carrier indicium of being stored and the account identification symbol stored having or the carrier indicium of being stored;
Described card mark is compared with the card mark of being stored and with described carrier indicium and the carrier indicium of being stored;
Based on described comparison, will verify that message sends to described point of sale device;
Receive the quantity of the value that is associated with described card; And
The quantity of described value is stored on the described mainframe computer system.
17, method as claimed in claim 16, wherein, described checking request also comprises the account identification symbol that is associated with described card, and wherein described card mark is comprised that with the card mark of being stored and with the step that described carrier indicium and the carrier indicium of being stored compare described account identification symbol that will be associated with described card and the account identification symbol of being stored compare.
18, method as claimed in claim 16, wherein, described checking message comprise with described card mark and described carrier indicium in one of the account identification of the being stored symbol that is associated, described method also comprises the affirmation that receives the account identification symbol of being stored about the account identification symbol coupling that is associated with described card from described point of sale device.
19, method as claimed in claim 16 also comprises and uses described card to come purchase transaction is settled accounts, and wherein uses described card that transaction is settled accounts and comprises:
At described mainframe computer system place, receive the account identification symbol of described card from point of sale device;
At described mainframe computer system place, receive described card mark from described point of sale device;
Receive the settlement of transactions amount at described mainframe computer system place;
At described mainframe computer system place, with described account identification symbol accord with the account identification of being stored, with described card mark and the card mark of being stored and with described settlement of transactions amount with and the quantity of the value that is associated of described card compare; And
At least in part based on described comparison step, the described settlement of transactions amount of debit from the quantity of the value that is associated with described card.
20, method as claimed in claim 19, wherein, transaction settled accounts comprise the selection of from the group that constitutes by following actions, carrying out:
On ATM (Automatic Teller Machine), receive cash;
The purchase transaction clearing are debit card transactions;
The purchase transaction clearing are credit card trade; And
The purchase transaction clearing are the gift card transaction.
21, method as claimed in claim 16, wherein, the quantity that receives the value that is associated with described card comprises:
Activating place reception activation request, wherein said activation request comprises described account identification symbol and password;
With in described password and the described database and the password of being stored that is associated of described account identification symbol compare;
Reception will be loaded into the quantity of the value of described card; And
If the result of described comparison step is mated, then activate described purchase card.
22, method as claimed in claim 21, wherein, described activation place comprises from by the selection of carrying out the following group that constitutes:
The website;
Interactive voice response unit; And
The call center.
23, a kind of retail item that is used to buy comprises:
Purchase card; And
Described purchase card is attached to the carrier on it removedly;
Wherein said purchase card has account identification symbol associated therewith;
Wherein said purchase card has the card mark that appends on it;
Wherein said purchase card comprises the machine sensible information code area, and the account identification symbol is encoded in the described machine sensible information code area; And
Wherein said purchase card is attached to described card carrier removedly, so that can conduct interviews to described card mark readablely; And
Wherein said card carrier has the carrier indicium that appends on it.
24, article as claimed in claim 23, wherein, impression has described account identification symbol on the described card.
25, article as claimed in claim 23, wherein, described card mark comprises from by the selection of carrying out the following group that constitutes:
Wherein coding has the bar code of described card mark; And
Wherein coding has the RFID tag of described card mark.
26, article as claimed in claim 23, wherein, described purchase card comprises from by the selection of carrying out the following group that constitutes: gift card, prepaid debit card, stored value card and credit card.
27, as claimed in claim 23, wherein, described machine sensible information code area comprises the selection of carrying out from the group that is made of magnetic stripe and RFID tag.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US71101705P | 2005-08-23 | 2005-08-23 | |
| US60/711,017 | 2005-08-23 | ||
| US11/265,530 | 2005-11-01 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101305380A true CN101305380A (en) | 2008-11-12 |
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ID=40114374
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006800394327A Pending CN101305380A (en) | 2005-08-23 | 2006-08-21 | Presentation instrument display and activation systems and methods |
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| Country | Link |
|---|---|
| CN (1) | CN101305380A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102376002A (en) * | 2010-08-05 | 2012-03-14 | 统一超商股份有限公司 | Commodity redemption carrier |
| CN107153979A (en) * | 2016-03-06 | 2017-09-12 | 神州黑鹰（上海）信息科技有限公司 | The method and system of card two-dimensional code scanning shopping |
-
2006
- 2006-08-21 CN CNA2006800394327A patent/CN101305380A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102376002A (en) * | 2010-08-05 | 2012-03-14 | 统一超商股份有限公司 | Commodity redemption carrier |
| CN107153979A (en) * | 2016-03-06 | 2017-09-12 | 神州黑鹰（上海）信息科技有限公司 | The method and system of card two-dimensional code scanning shopping |
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