Real time card printing systems and methods
View Patent ↗A method for personalizing a presentation instrument for an account holder while the account holder is present is described. The method includes transmitting to a server computer a request to personalize a presentation instrument for an account holder who has a financial account with a financial institution. The request includes the account holder's name and background information indicating a background to be placed onto the presentation instrument. The method further includes receiving, at the server computer from the financial institution, presentation instrument data to be included on the presentation instrument. The presentation instrument data comprises an account number and an expiration date. Further, the method includes transmitting from the server computer through a financial institution network, personalization information usable by a printer to place printed personalization information onto a blank presentation instrument, and to electronically store account information onto the blank presentation instrument while the account holder is present.
1. A method of real time personalization of a blank card for a card recipient, comprising:
receiving, by a server, a request for a new personalized card for the card recipient from a branch location, the request including an indication of a desired card format for the personalized card and card recipient identification data;
the server processing the request and transmitting a request for data for the blank card to a card management system that is separate from and physically located away from the server;
the server receiving data for the blank card from the card management system in response to the request for data; and
the server transmitting data to be placed on the blank card in the desired card format to the branch location for personalizing the blank card.
2. The method of claim 1 , further comprising the server calculating data for the blank card upon receiving data from the card management system.
3. The method of claim 2 ,wherein the data calculated by the server varies based on a type of blank card to be personalized for the card recipient.
4. The method of claim 1 , wherein the data transmitted by the server to the branch location comprises the card recipient's name, an image to be printed onto the blank card, an account number, an expiration date, a card verification value, and a PIN offset value.
5. The method of claim 1 , wherein the branch location includes a card printer, and using the card printer to personalize the blank card, the card printer being configured to inhibit the application of personalization to a location on the blank card that could interfere with functionality of the card.
6. The method of claim 5 , wherein the card printer comprises a reverse film transfer printer, and the card printer includes a multi-color print ribbon with inhibitor panels; the card printer prints inhibitor material from one of the inhibitor panels onto a film material of the reverse film transfer printer at a location on the film material corresponding to a location on the blank card whose functionality would be interfered with by the film material once the film material is transferred onto the blank card.
7. A system configured for real time personalization of a blank card for a card recipient, comprising:
a card printer at one location;
a server at a location remote from the card printer and in communication with the card printer;
a card management system at a location remote from the card printer, the card management system is separate from and physically located away from the server, and the card management system is in communication with the server;
the server is configured to receive a request for a new personalized card for the card recipient from the one location, the request including an indication of a desired card format for the personalized card to be applied to the blank card and card recipient identification data;
the server is configured to process the request and transmit a request for data to the card management system;
the card management system is configured to send data to the server in response to the request for data; and
the server is configured to transmit data to the card printer to permit the card printer to personalize the blank card with the data in the desired card format.
8. The system of claim 7 , wherein the server is configured to calculate data for the blank card upon receiving the data from the card management system.
9. The system of claim 8 , wherein the data calculated by the server varies based on a type of blank card to be personalized for the card recipient.
10. The system of claim 7 , wherein the data transmitted by the server to the card printer comprises the card recipient's name, an image to be printed onto the blank card, an account number, an expiration date, a card verification value, and a PIN offset value.
11. The system of claim 7 , wherein the card printer is configured to inhibit the application of personalization to a location on the blank card that could interfere with functionality of the card.
12. The system of claim 11 , wherein the card printer comprises a reverse film transfer printer, and the card printer includes a multi-color print ribbon with inhibitor panels; the card printer is configured to print inhibitor material from one of the inhibitor panels onto a film material of the reverse film transfer printer at a location on the film material corresponding to a location on the blank card whose functionality would be interfered with by the film material once the film material is transferred onto the blank card.