System and method for instant issue of personalized financial transaction cards

A system for instant issue of financial transaction cards in response to card requests made by customers at one or more branch locations associated with a financial institution, wherein the card requests include customer information associated with the customer and card information including a selected card personal identification number (PIN) to be associated with a financial transaction card, the system comprising:

• a card services provider network;
• at least one branch data terminal at each branch location, wherein the branch data terminal
• is effective to receive customer information and at least the PIN portion of card information associated with a card request,
• is functionally coupled via a secure data communications link to the card services provider network, and
• is effective to transmit the customer information and at least the PIN portion of the card information to the card services provider network via the secure data communications link, while the customers are present in the branch locations;
• the card services provider network comprises
• a PIN database effective to receive and securely store PINs transmitted by the branch data terminal,
• PIN application software effective to generate a reference number associated with a card request using a PIN stored in the PIN database,
• card file application software effective to create an electronic card file associated with a card request and to update the card file using the reference number, and
• card print application software effective to securely transmit card print commands and card files associated with card requests while the customers are present at the branch locations;
• and
• a branch card printer network at each branch location, the branch card printer network comprising a card printer effective to print personalized financial transaction cards while the customers are present in the branch locations in response to receiving the print commands and card files transmitted by the card services provider network.

A system for processing of a card request made by a customer at a branch location associated with a financial institution, wherein the card request includes customer information, card information including a selected card personal identification number (PIN), and a requirement that the card be instantly issued while the customer is present in the branch location, the system comprising:

• a first card services provider network comprising
• an instant issue server network including a first application server,
• an instant issue card personalization network coupled to the instant issue server network,
• an instant issue web service perimeter network coupled to the instant issue server network, and
• an instant issue print perimeter network coupled to the instant issue server network, the instant issue print perimeter network including a print server coupled to a first firewall;
• a second card services provider network comprising
• a second application server,
• a file server,
• a database server, and
• a database coupled to the database server,
• the instant issue web service perimeter network and the second card services provider network are each coupled to a second firewall;
• the instant issue web service perimeter network is effective to receive a card request from the branch location and to communicate the card request to the first application server;
• in response to receiving a card request from the branch location via the instant issue web service perimeter network, the first application server is effective to communicate card data requests to the second application server;
• the database server is effective to securely store a PIN associated with a card request in the database;
• in response to receiving a card data request, the second application server, the database server and the file server are effective to communicate card cryptographic data, card image information, card image data, and card magnetic stripe data to the first application server;
• in response to receiving the card cryptographic data, the first application server is effective to communicate the card cryptographic data to the instant issue card personalization network and to retrieve card security data from the instant issue card personalization network;
• in response to receiving the card image information, the card image data, the card magnetic stripe data, and the card security data, the first application server is effective to communicate a card print job to the print server;
• in response to receiving a card print job, the print server is effective to transmit the card print job to the branch location via the first firewall.