Printer for selectively printing symbolic information on a medium

Patent metadata

Field	Value
Publication number	US-11580550-B2
Application number	US-202017070532-A
Country	US
Kind code	B2
Filing date	Oct 14, 2020
Priority date	Oct 14, 2020
Publication date	Feb 14, 2023
Grant date	Feb 14, 2023

Abstract

In some implementations, a printing system may include a card printer that includes a printing controller and a marking device. The card printer may be configured to receive a first printing instruction or a second printing instruction associated with printing an account identifier on a card. The card printer may receive one of the first printing instruction or the second printing instruction based on whether a risk score, associated with the account identifier, satisfies a threshold. The card printer may print a full account identifier, associated with the card, on a surface of the card based on receiving the first printing instruction. The card printer may print the card without the full account identifier on the surface of the card based on receiving the second printing instruction.

First claim

What is claimed is:

1. A printing system, comprising:
a device configured to:
determine a score associated with an account identifier to be printed on a card,
wherein the score is determined based on risk factors associated with a likelihood that the account identifier will be used for a fraudulent transaction;

determine to print the card with a full account identifier or a partial account identifier based on the score,
wherein the device, to determine to print the card with the full account identifier or the partial account identifier, is configured to:
determine a first printing method associated with the full account identifier, and
determine a second printing method associated with the partial account identifier; and

transmit either a first printing instruction to print the card with the full account identifier using the first printing method or a second printing instruction to print the card with the partial account identifier using the second printing method based on a determination of whether the score satisfies a threshold; and

a card printer that includes a printing controller and a marking device, wherein the card printer is configured to:
receive, by the printing controller and from the device, the first printing instruction or the second printing instruction associated with printing the account identifier on the card,
wherein the card printer is configured to print the full account identifier, associated with the card, on a surface of the card based on receiving the first printing instruction,
wherein the card printer is configured to print the card with the partial account identifier on the surface of the card based on receiving the second printing instruction,
wherein the card printer, when printing the card with the partial account identifier, is configured to print the card with a portion of the full account identifier based on receiving the second printing instruction, and
wherein one of the first printing instruction or the second printing instruction is received based on whether the score satisfies the threshold; and

print, using the marking device, the card with the full account identifier or with the partial account identifier based on whether the first printing instruction or the second printing instruction is received by the printing controller,
wherein the marking device, to print the card is configured with the full account identifier to use the first printing method to print the full account identifier based on the first printing instruction, or
wherein the marking device, to print the card with the partial account identifier, is configured to use the second printing method to print the partial account identifier based on the second printing instruction.

2. The printing system of claim 1 , wherein the score indicates a risk that the account identifier will be stolen or used in an unauthorized transaction.

3. The printing system of claim 1 , wherein the score is determined based on credit application information associated with applying for the card, and wherein the account identifier is associated with an account generated based on the credit application information.

4. The printing system of claim 1 , wherein the second printing instruction further indicates a set of characters to be printed on the surface of the card in place of all or the portion of the full account identifier.

5. A method, comprising:
receiving, by a device, credit application information associated with applying for a transaction card;
determining, by the device, a risk score based on the credit application information, wherein the risk score indicates a risk that an account identifier associated with the transaction card will be stolen;
determining, by the device, to print the transaction card with a full account identifier or a partial account identifier based on the risk score,
wherein determining to print the transaction card with the full account identifier or the partial account identifier comprises:
determining a first printing method associated with the full account identifier, and
determining a second printing method associated with the partial account identifier; and

transmitting, by the device, either a first instruction to print the transaction card with the full account identifier using the first printing method or a second instruction to print the transaction card with the partial account identifier using the second printing method to a transaction card printing system based on a determination of whether the risk score satisfies a threshold,
wherein the first instruction instructs the transaction card printing system to print the full account identifier, associated with the transaction card, on a surface of the transaction card,
wherein printing the full account identifier comprises embossing, layering, or laminating the full account identifier, and

wherein the second instruction instructs the transaction card printing system to print the transaction card with the partial account identifier on the surface of the transaction card using the first printing method,
wherein printing with the partial account identifier comprises embossing, layering, or laminating the partial account identifier using the second printing method,
wherein printing with the partial account identifier comprises printing the transaction card with a portion of the full account identifier based on receiving the second instruction.

6. The method of claim 5 , wherein the risk score is determined based on at least one of a fraud history or a credit history associated with an entity applying for the transaction card.

7. The method of claim 5 , wherein the risk score is determined based on a transaction history associated with an entity applying for the transaction card, wherein the transaction history indicates at least one of:
a set of merchants with which transactions were made,
a set of items purchased in one or more transactions, or
an indication of whether a card was present or not present for one or more transactions.

8. The method of claim 5 , wherein the risk score is determined based on a geographic region included in the credit application information, associated with an entity applying for the transaction card, or associated with a network address of a device used to apply for the transaction card.

9. The method of claim 5 , further comprising:
determining, based on the credit application information, whether an entity applying for the transaction card has an account with an institution associated with the transaction card;
applying either a first model or a second model to the credit application information based on whether the entity applying for the transaction card has an account with the institution; and
determining the risk score based on applying either the first model or the second model.

10. The method of claim 5 , wherein either the first instruction or the second instruction is transmitted further based on whether an entity applying for the transaction card provides input indicating whether the transaction card is to be printed using the full account identifier.

11. The method of claim 5 , wherein the second instruction further indicates a set of characters to be printed on the surface of the transaction card in place of all or the portion of the full account identifier.

12. The method of claim 11 , wherein at least one character, of the set of characters, is based on input provided by an entity applying for the transaction card.

13. The method of claim 5 , further comprising transmitting a message to assist an entity applying for the transaction card with enrolling in a program that enables the entity to a

Assignees

• Capital One Services Llc

Inventors

• Anasta Jude Pierre
• Maiman Tyler
• Benkreira Abdelkader M'Hamed

Classifications

• G06Q20/4014

  Identity check for transactions · CPC title

• B42D25/324

  Reliefs · CPC title

• G06Q20/355

  Personalisation of cards for use · CPC title

• B42D25/285

  Gift cards · CPC title

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title