Anonymous Chip Card Pre-Printing for Single-Sided Issuance
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Solution Overview
Problem
Existing instant issuance systems for chip cards require double-sided printers to print both the front and back sides of cards, which are costly and unnecessary, as the back side printing can be done at the manufacturer level, while single-sided printers are sufficient for front-side printing only.
Innovation Solution
The method involves creating anonymous chip cards with pre-printed back side data, such as the card verification value CVV, at the manufacturer, allowing for later personalization at the bank branch using a single-sided printer, where only the front side needs to be printed with individual holder data.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If double-sided printers are used for instant issuance card manufacturing, then both front and back sides of cards can be printed at the bank branch, but equipment costs increase significantly
Solution Approach 1:
The printing process is segmented into two distinct phases: (1) back side printing with static data (CVV, expiry date) performed at the card manufacturing facility, and (2) front side printing with dynamic personalization data performed at the bank branch using a single-sided printer. This segmentation allows each location to use appropriately equipped printers, eliminating the need for expensive double-sided printers at the bank while ensuring complete card personalization.
Solution Approach 2:
The back side of the card is pre-printed with static information (CVV, expiry date, bank logos) at the card manufacturing facility before the cards are distributed to bank branches. This preliminary action ensures that when cards arrive at the bank, only the front side requiring dynamic personalization data needs to be printed, allowing the use of cost-effective single-sided printers at the bank branch.
2Ease of operation
If double-sided printers are deployed at bank branches, then complete card personalization can be done locally, but the personalization process becomes more complex
Solution Approach 1:
The card personalization process is segmented into static content preparation (at manufacturing) and dynamic content addition (at bank branch). The printer at the bank branch only needs to handle front side printing with variable data, simplifying the printing system while maintaining complete personalization capability.
3Device complexity
If single-sided printers are used at bank branches, then equipment costs are reduced, but only the front side of cards can be printed
Solution Approach 1:
The back side of the card is pre-printed with all static information (CVV, expiry date, bank branding) at the card manufacturing facility before distribution. This preliminary action compensates for the limited printing capability of single-sided printers at the bank branch, ensuring that complete card information is available even though only one side can be printed locally.
Data Source
AI summary
The invention provides a method that allows an issuer system, e.g. of a bank, to have generated a plurality of anonymous accounts and cards for working up a stock and to only personalize them individually if required. In the personalization step at the card issuer, e.g. in the bank branch, a printing of the back side does not have to be performed, instead all the necessary printing of the back side is already effected at the card manufacturer during the manufacturing of the anonymous card. As a result, a simple, low-cost printer without a back-side printing option can be utilized for the personalization of the anonymous card.