Abstract: A system is provided for a metallic coin that may be scanned and implemented for stored value account transactions using traditional point-of-sale devices. The coin has two sides, a first surface portion of the second side having a less reflective matte finish relative to the first side and a second surface portion of the second side. A substantially transparent coat layer is upon the first surface portion of the second side, with an ink layer comprising machine readable indicia further thereupon. The machine readable indicia include a unique identifier with respect to the metallic coin. A hosted server is functionally linked to the traditional point-of-sale device via a communications network and configured upon receiving the identifier as scanned from the point-of-sale device to extract stored value information corresponding to an account associated with the identifier, and transmit said information to the point-of-sale device.

Abstract: A method is described for producing a stored value token which may take a coin shape. A first portion of a die is mechanically roughened, prior to striking each of a plurality of metallic substrates into a substantially planar three-dimensional form having a first side and a second side. The mechanically roughened portion of the die strikes at least the second side of the substrates, wherein a corresponding first surface portion of the second side of the stamped substrates has a less reflective matte finish. A substantially transparent coat layer such as a lacquer is applied to at least the first surface portion, and an ink layer is applied atop the first layer in the first surface portion, thereby bonding the ink layer and the first coat and generating machine readable indicia unique to each respective one of the plurality of stamped substrates.

Abstract: A method is provided for packaging and activating open loop stored value cards. A retailer is provided an open loop card and a closed loop card in an integrated package, the open loop card associated with a first account number and configured for activation by an open loop account processor, and the closed loop card associated with a second account number. An electronically readable card component contains data corresponding to a control account including the first and second account numbers. Upon receiving an activation request from a point of sale which contains the data corresponding to the control account, the control account and the account numbers are identified, and the closed loop card is activated. An activation request is transmitted electronically to the open loop account processor, wherein activating of the closed and open loop cards may be substantially simultaneous with respect to the point of sale.

Abstract: A web-based system and method are provided for electronic coupon fraud prevention. The system receives electronic coupon parameters from a coupon provider via a host website. Access is selectively providing to electronic coupons by members based on the parameters and member access criteria. The member selects coupons via the website which are then stored in a member account. Transaction data is received from a merchant point of sale, and the system determines which coupons may be available for use in the transaction based on the coupon parameters and the transaction data. A first set of coupon data is provided to the point of sale associated with electronic coupons which have been determined to be available, and a second set of electronic coupon data is received from the point of sale associated with electronic coupons which have been redeemed by the merchant in association with the financial transaction.