System for packaging, processing, activating, and deactivating multiple individual transaction cards as a singular unit

Patent metadata

Field	Value
Publication number	US-11620637-B2
Application number	US-201916401910-A
Country	US
Kind code	B2
Filing date	May 2, 2019
Priority date	Nov 13, 2006
Publication date	Apr 4, 2023
Grant date	Apr 4, 2023

Abstract

A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate.

First claim

What is claimed is:

1. A package assembly for processing a plurality of transaction cards at a point of sale comprising:
at least two transaction cards, each with a unique account identifier associated with a unique account;
a package for securing the plurality of transaction cards, wherein the package comprises at least three distinct identifiers, wherein the at least three distinct identifiers are each, separately externally visible on the package assembly, wherein the at least three distinct identifiers comprise a first identifier, wherein the first identifier is a unique package identifier, a second identifier, wherein the second identifier is a vendor product identification code identifier, and a third identifier, wherein the third identifier comprises the unique package identifier and the vendor product identification code identifier.

2. The package assembly of claim 1 , wherein the package further comprises transaction cards issued by a singular card issuer.

3. The package assembly of claim 1 , wherein the package further comprises transaction cards issued by a plurality of card issuers.

4. The package assembly of claim 1 , wherein the package further comprises transaction cards issued by affiliated issuers.

5. The package assembly of claim 1 , wherein the package further comprises transaction cards issued by non-affiliated issuers.

6. The package assembly of claim 1 , wherein the package further comprises an identifier that is interpretable by a point of sale component.

7. The package assembly of claim 1 , wherein the at least three distinct identifiers comprise bar codes, magnetic strips, series of numerals, series of letters, series of symbols, or combinations thereof.

8. A method for the secure processing of a package assembly at a point of sale comprising:
providing a plurality of transaction cards, each with a unique account identifier, assembled into a package, wherein each unique account identifier is associated to a unique account;
assigning a first identifier to the package, wherein the first identifier comprises a unique package identifier, wherein the first identifier is externally visible on the package;
assigning a second identifier to the package, wherein the second identifier comprises a vendor product identification code, wherein the second identifier is externally visible present and accessible on the package;
assigning a third identifier to the package, wherein the third identifier comprises the unique package identifier and the vendor product identification code, wherein the third identifier is externally visible present and accessible on the package;
associating the first identifier with unique account identifiers of the individual transaction cards assembled in the package;
compiling a database of information concerning associated unique package identifiers and unique account identifiers;
accessing the database upon receipt of a request to activate or deactivate the package, wherein the request comprises either a one-step or a two-step sequence;
processing the information contained in the database upon receipt of a request to activate or deactivate the package;
in response to the processing, initiating an activation or deactivation protocol for the individual transaction cards contained in the package, wherein the activation or deactivation protocol comprises conveying a request for transaction card activation or deactivation to the individual transaction card issuer's authorization system to effectuate activation or deactivation of the individual transaction cards;
receiving indication of activation or deactivation of the individual transaction cards from the individual transaction card issuer's authorization system; and
communicating the activation or deactivation of the individual transaction cards to the point of sale.

9. The method of claim 8 , wherein the first identifier is encoded in a magnetic strip, a bar code, a series of numerals, a series of letters, a series of symbols, or combination thereof.

10. The method of claim 8 , wherein the unique identifiers of the individual transaction cards are manually associated with the first identifier.

11. The method of claim 8 , wherein the unique identifiers of the individual transaction cards are automatically associated with the first identifier.

12. The method of claim 11 , wherein the unique identifiers of the individual transaction cards are associated with the first identifier mechanically, electronically, or by a combination thereof.

13. The method of claim 8 , wherein a transaction log is compiled memorializing actions concerning the activation or deactivation of transaction cards.

14. The method of claim 8 , wherein an error log is compiled memorializing actions concerning the unsuccessful activation or deactivation of transaction cards.

15. A package assembly processing system comprising:
a plurality of transaction cards, wherein each individual transaction card comprises a unique account identifier and wherein each unique account identifier is associated to a unique account;
a package for securing the transaction cards comprising at least three distinct identifiers, wherein the at least three distinct identifiers are each, separately externally visible on the package, wherein the at least three distinct identifiers comprise a first identifier, wherein the first identifier is a unique package identifier, a second identifier, wherein the second identifier is a vendor product identification code identifier, and a third identifier, wherein the third identifier comprises the vendor product identification code identifier and the unique package identifier;
a point of sale component configured to interpret the at least three distinct identifiers;
a secure connection for transaction card processing system communications;
a point of sale component configured to request activation or deactivation of the first identifier via the secure connection, wherein the request may comprise either a one-step or a two-step sequence;
a processor configured to process the first identifier and a corresponding activation or deactivation request at the point of sale; whereby the processor communicates an activation or deactivation request for the first identifier to a multicard transaction computer via the secure connection;
a database comprising data associated with the individual transaction cards' unique account identifiers correlated to unique package identifiers; and
the multicard transaction computer configured to receive the request to activate or deactivate the first identifier, communicate with individual transaction card issuers' authorization systems to effectuate activation or deactivation of the individual transaction cards, and communicate the individual cards' activations or deactivations to the point of sale via the secure connection.

16. The package assembly processing system of claim 15 , wherein the multicard transaction computer is configured to generate and maintain a transaction log concerning the activations and deactivations of individual transaction cards.

17. The package assembly processing system of claim 15 , wherein the multicard transaction computer is configured to generate and maintain an error log concerning the unsuccessful activations and deactivations of individual transaction cards.

18. The package assembly processing system of claim 15 , wherein package's unique identifier is a bar code, magnetic strip, series of numerals, series of letters, series of symbols, or a combination thereof.

19. The package assembly processing sys

Assignees

• Blackhawk Network Inc

Inventors

• Singh Lalit
• Shirsekar Sanjay

Classifications

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q30/06

  Buying, selling or leasing transactions · CPC title

• C08G18/3876

  containing mercapto groups · CPC title

• G06Q20/3821

  Electronic credentials · CPC title

• G06Q20/342

  Cards defining paid or billed services or quantities · CPC title