WO2007095166A3 - Presentation instrument with user-created pin and methods for activating - Google Patents

Presentation instrument with user-created pin and methods for activating Download PDF

Info

Publication number
WO2007095166A3
WO2007095166A3 PCT/US2007/003669 US2007003669W WO2007095166A3 WO 2007095166 A3 WO2007095166 A3 WO 2007095166A3 US 2007003669 W US2007003669 W US 2007003669W WO 2007095166 A3 WO2007095166 A3 WO 2007095166A3
Authority
WO
WIPO (PCT)
Prior art keywords
presentation instrument
activating
user
methods
computer system
Prior art date
Application number
PCT/US2007/003669
Other languages
French (fr)
Other versions
WO2007095166A2 (en
Inventor
Larry A Martinez
Original Assignee
First Data Corp
Larry A Martinez
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Data Corp, Larry A Martinez filed Critical First Data Corp
Publication of WO2007095166A2 publication Critical patent/WO2007095166A2/en
Publication of WO2007095166A3 publication Critical patent/WO2007095166A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3558—Preliminary personalisation for transfer to user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

In one embodiment, the invention provides a method for activating a presentation instrument using a computerized network. The method utilizes a presentation instrument package that comprises a presentation instrument that is coupled to a carrier. A package identifier on the presentation instrument package is read and transmitted to a host computer system to indicate that the presentation instrument has been purchased. After being purchased, the presentation instrument may be removed from the carrier. To activate the presentation instrument, an access code and a presentation instrument identifier obtained from the presentation instrument may be provided to the host computer system via an IVR unit. Also, the recipient may select a personal identifier to associate with the presentation instrument. The personal identifier may be transmitted to the host computer system for storage.
PCT/US2007/003669 2006-02-13 2007-02-12 Presentation instrument with user-created pin and methods for activating WO2007095166A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/353,565 2006-02-13
US11/353,565 US7533814B2 (en) 2006-02-13 2006-02-13 Presentation instrument with user-created pin

Publications (2)

Publication Number Publication Date
WO2007095166A2 WO2007095166A2 (en) 2007-08-23
WO2007095166A3 true WO2007095166A3 (en) 2007-12-13

Family

ID=38367353

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/003669 WO2007095166A2 (en) 2006-02-13 2007-02-12 Presentation instrument with user-created pin and methods for activating

Country Status (2)

Country Link
US (1) US7533814B2 (en)
WO (1) WO2007095166A2 (en)

Families Citing this family (10)

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US8205791B2 (en) 2005-10-11 2012-06-26 National Payment Card Association Payment system and methods
US7896252B2 (en) * 2006-02-13 2011-03-01 The Western Union Company Presentation instrument with user-created pin and methods for activating
US8430298B2 (en) * 2006-02-13 2013-04-30 The Western Union Company Presentation instrument package arrangement
WO2008013945A2 (en) 2006-07-27 2008-01-31 Leverage, Inc. System and method for targeted marketing and consumer resource management
US20090063355A1 (en) * 2007-08-31 2009-03-05 Nizam Antoo Method and system using reloadable portable consumer devices
US7658324B2 (en) * 2008-02-01 2010-02-09 Barclays Bank Delaware Systems and methods for encrypted bar code generation
US20090204503A1 (en) * 2008-02-07 2009-08-13 First Data Corporation Methods and systems for establishing investment accounts associated with presentation instruments
US10546300B2 (en) 2010-07-07 2020-01-28 Relay Holdings, Llc Method for activating a new service or account
US20130124409A1 (en) * 2011-11-10 2013-05-16 Bank Of America Corporation Reloadable prepaid platform
CN108428134A (en) * 2017-06-24 2018-08-21 平安科技（深圳）有限公司 Electronic device, IVR voice payments method and computer readable storage medium

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Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20010032128A1 (en) * 1999-12-23 2001-10-18 Jonathan Kepecs Techniques for optimizing promotion delivery
US20050116027A1 (en) * 2003-06-12 2005-06-02 First Data Corp. Personalized presentation instrument production systems and methods
US20050086166A1 (en) * 2003-10-20 2005-04-21 First Data Corporation Systems and methods for fraud management in relation to stored value cards
US20060015402A1 (en) * 2004-06-10 2006-01-19 Graves Phillip C Using multiple PINs for redemption through multiple distribution channels

Also Published As

Publication number Publication date
US7533814B2 (en) 2009-05-19
US20070187489A1 (en) 2007-08-16
WO2007095166A2 (en) 2007-08-23

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