Patent Application
20140076978
The present invention is generally directed to systems and methods for reducing fraud associated with the theft and improper activation of data cards (such as, for example, gift cards or prepaid debit cards). Specifically, the present invention is directed to systems and methods for printing activation indicia on both a data card and a card package.
Data cards such as gift cards and telephone calling cards permit consumers to prepay for goods or services. An account associated with the data card is debited as goods and services are purchased using the card. Data cards typically include raised or protruding numbers which are a personal account number (PAN), and identify the account associated with the card. Data cards further typically contain a magnetic strip which contains all the data needed for commercial transactions: the PAN, the expiration date, and sometimes the name of the user. These magnetic strips must comply with commercial standards in order to be useful at most stores.
In many instances, the data cards are available for purchase directly from large retail displays. For security purposes, the data cards may be un-activated or have no value associated with them until a purchaser pays a retailer to activate the card or to associate a certain value with the card. Despite these security features to discourage theft, many criminals still steal the data cards, often by removing the card from its packaging.
These cards have been successful, in part, because they enable users to purchase goods and services in a manner that does not require cash on hand or establishing a pre-existing account. As such cards have increased in popularity, incidents of card misuse have increased as well. One method of misuse involves removing just enough of the scratch-off label to reveal the PIN, then covering the damaged area with an appropriately colored material or ink. With the PIN and control number in hand, the cards value can be extracted without actual physical possession of the card. An unsuspecting purchaser, without careful scrutiny, may buy the card only to discover that the security of the card has been breached. Alternatively, the retailer may observe the damage to the card. By the time the retailer or purchaser discovers the damage, however, the misuse will have likely occurred.
Additionally, criminals may attempt to steal information by copying the raised numbers that press through the package. Copying these raised numbers (possibly by etching) is a substantial first step towards penetrating the security procedures of the data card system. The criminal would then wait until the customer purchased and activated the card, and then attempt to obtain additional security information (such as a Personal Identification Number) from the customer through theft or trickery.
Accordingly, it may be desirable to provide a data card which is concealed within its packaging to discourage theft of the cards, and that can readily indicate whether a data card has been subject to misuse.
Aspects of the invention may comprise a card and package assembly, comprising: a package; a data card, the data card packaged at least in part within the package; and an activation indicia, the activation indicia comprising a first portion printed on the package and a second portion printed on the data card.
Aspects of the invention may further include a card and package assembly, comprising: a package, formed from a substrate and comprising an aperture therein; a data card, the data card packaged within the package and substantially aligned with the aperture such that at least a portion of the card is visible through the aperture; and an activation indicia, the activation indicia comprising a first portion printed on the package and a second portion printed on the data card, both the first portion and the second portion of the activation indicia being required in order to activate the card.
Aspects of the present invention may also include A method of packaging a data card, comprising manufacturing or otherwise obtaining a data card; manufacturing or otherwise obtaining a package; determining an activation indicia; packaging the data card at least in part within the package; and printing the activation indicia in part on the data card and in part on the package.
Additional aspects of the invention may include a method of packaging a data card in accordance with some embodiments of the present invention, comprising manufacturing or otherwise obtaining a data card; manufacturing or otherwise obtaining a package, the package comprising an aperture; determining an activation indicia, useable to activate the data card; packaging the data card within the package, substantially aligned with the aperture such that at least a portion of the card is visible through the aperture; and after the packaging step, printing the activation indicia in part on the data card and in part on the package.
These and other aspects will become apparent from the following description of the invention taken in conjunction with the following drawings, although variations and modifications may be effected without departing from the spirit and scope of the novel concepts of the invention.
The present invention can be more fully understood by reading the following detailed description together with the accompanying drawings, in which like reference indicators are used to designate like elements. The accompanying figures depict certain illustrative embodiments and may aid in understanding the following detailed description. Before any embodiment of the invention is explained in detail, it is to be understood that the invention is not limited in its application to the details of construction and the arrangements of components set forth in the following description or illustrated in the drawings. The embodiments depicted are to be understood as exemplary and in no way limiting of the overall scope of the invention. Also, it is to be understood that the phraseology and terminology used herein is for the purpose of description and should not be regarded as limiting. The detailed description will make reference to the following figures, in which:
Before any embodiment of the invention is explained in detail, it is to be understood that the present invention is not limited in its application to the details of construction and the arrangements of components set forth in the following description or illustrated in the drawings. The present invention is capable of other embodiments and of being practiced or being carried out in various ways. Also, it is to be understood that the phraseology and terminology used herein is for the purpose of description and should not be regarded as limiting.
The matters exemplified in this description are provided to assist in a comprehensive understanding of various exemplary embodiments disclosed with reference to the accompanying figures. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the exemplary embodiments described herein can be made without departing from the spirit and scope of the claimed invention. Descriptions of well-known functions and constructions are omitted for clarity and conciseness. Moreover, as used herein, the singular may be interpreted in the plural, and alternately, any term in the plural may be interpreted to be in the singular. Reference figures preceded with “S” (e.g., S100) indicates a step.
With respect to a data card, the data card may comprise any physical shape and configuration, and also may comprise any type of material. In some exemplary embodiments, the data card may be configured in a manner similar to a standard credit or debit card, made of plastic and having the same or similar proportions and features. In some exemplary embodiments, the data card may be card-like, but have proportions different from a standard credit or debit card, for example, a keychain card, a folding paper card, a metal card, and so forth. In addition, the value card may be non-card-like, for example, a key fob, miniature figure, and/or a communication device, etc. In some exemplary embodiments, the data card may be available in multiple configurations allowing a user to select his or her desired configuration. For example, the data card may be available in a standard credit card-sized card and/or a smaller keychain card and/or a key fob.
In exemplary embodiments the data card may include electronic and or magnetic features, for example, a microprocessor, memory, an electronic chip, a magnetic strip, a Universal Serial Bus (USB) flash drive, a wireless communication device, etc. For example, a data card may have the same or similar features to a credit or debit card, such as having a magnetic strip located on the back of the card, and thus may be compatible with standard credit card readers. The data card may also be configured in a manner similar to a “smart card.” Memory on the value card may be configured to store information related to a user, third party, processor, and/or past transactions, as well as other types of information related to the data card. In some exemplary embodiments, the value card may be configured to communicate with a wired device, such as by USB, coaxial cable, etc., and or a wireless device, such as by using Bluetooth and/or radio frequency identification (RFID) technology, etc.
The data card may have identification indicia, such as, by way of example, alpha characters, numeric characters, alphanumeric characters, images, embossed numbers, a coded magnetic strip, an embedded electronic chip, bar codes, and/or other such identification indicia as known in the art. In some exemplary embodiments, there may be unique identification indicia for each data card. Alternatively, some or all of the data cards may include the same identification indicia, or there may be a group of data cards with the same identification indicia within the group, but with a different indicia from other groups.
The identification indicia may be configured to associate the data card with a user, a third party, a processor, a retailer, and/or some other entity. The association may be accomplished by memory located remote of the data card or may be located on the data card itself. For example, information about the data card and/or the user may be stored in a remote database and/or may be embedded in a magnetic stripe on the data card. In addition, the data card may be associated with a particular third party using indicia that is visible on the data card, such as, by way of example, a biller-specific telephone number and/or trademark.
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With reference to
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The card 700 may also include a portion of an activation indicia 704. The portion of the activation indicia 704 printed on the card may be insufficient, alone, to activate the card 700. Note that while it is depicted and discussed that activation indicia 704 may be printed on the back surface 700b of the card 700, it is contemplated that the activation indicia 704 may be on any surface of the card 700.
With reference to
As noted above, the activation indicia may be any indicia sufficient to activate the card and any associated account. It was discussed above as a bar code and a magnetic stripe. It is also contemplated that the activation indicia may comprise other types of indicia, such as a QR code or other such graphical representation, an alpha, numeric, or alphanumeric code, or any other type of identifier. For example, the activation indicia may be a digital tag that may be capable of communicating with another unit. For example, the activation indicia may be stored in a radio frequency identification (RFID) tag.
While it has been discussed above that the card may be visible through an aperture in the package, it is contemplated that the aperture may be a cut-away from the package, or that the card may protrude from package.
With reference to
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Note that aperture 1430 may comprise an angled border, 1431, which may extend in an angle across the activation indicia 1450. In this manner, the interface between the card 1420 and the package 1410 is not parallel to the bar code depicted as the activation indicia 1450. Accordingly, any gaps, shadows, or other detection of the interface will now be construed by a bar code reader as an element of the activation indicia 1450 itself.
With reference to
The card 1500 may also include a portion of an activation indicia 1504. The portion of the activation indicia 1504 printed on the card may be insufficient, alone, to activate the card 1500. Note that while it is depicted and discussed that activation indicia 1504 may be printed on the back surface 1500b of the card 1500, it is contemplated that the activation indicia 1504 may be on any surface of the card 1500.
With reference to
Note that in order to secure the card in the package, various mechanisms may be utilized. For example, the card may be glued to the package or otherwise attached to the package—for example through the use of an interference fit.
At step 1640, an activation indicia that may be used to activate the card or an account associated therewith may be determined. The activation indicia may be generated or created during the process, or may be selected from a list of previously generated or created activation indicia.
At step 1650, the activation information may be printed on the card and package assembly. The activation information may be printed in part on the package and in part on the card. In order to activate the card or an associated account, the portions of the activation indicia printed on both the package and the card may be required.
It will be understood that the specific embodiments of the present invention shown and described herein are exemplary only. Numerous variations, changes, substitutions and equivalents will now occur to those skilled in the art without departing from the spirit and scope of the invention. For example, the specification above discusses a card that may be separate and distinct from the package. However, it is contemplated that the card may also be a part of the package—formed integrally with the package. For example, the package may comprise a cardboard material, and a portion of the package may be scored for a tear away card. Such an arrangement is depicted in U.S. Patent Application Publication No. 2007/0063021, which is incorporated herein by reference in its entirety.
Accordingly, it is intended that all subject matter described herein and shown in the accompanying drawings be regarded as illustrative only, and not in a limiting sense, and that the scope of the invention will be solely determined by the appended claims.
