Blackhawk Network. has filed a patent for a system allowing clients to personalize cards for multiple merchants, specifying redeemable amounts and designs. The system includes a merchant database, client interface, and card creator to facilitate transactions with selected merchants through a card network provider. GlobalData’s report on Blackhawk Network gives a 360-degree view of the company including its patenting strategy. Buy the report here.

According to GlobalData’s company profile on Blackhawk Network, Transaction splitting was a key innovation area identified from patents. Blackhawk Network's grant share as of January 2024 was 46%. Grant share is based on the ratio of number of grants to total number of patents.

Personalized multi-merchant gift card system

Source: United States Patent and Trademark Office (USPTO). Credit: Blackhawk Network Holdings Inc

A patent application (Publication Number: US20240013194A1) describes a system for processing card transactions that involves a plurality of cards representing accounts between cardholders and selected merchants. The system includes a merchant database storing information about merchants accepting the cards, a client interface for selecting merchants and accounts, and a card creator associating account numbers with cards. Transactions with selected merchants are approved by a card network provider, while transactions with other merchants are disapproved. The system allows for customization of card appearance, interaction with clients for design data, and includes physical or virtual cards with selected logos.

Furthermore, the system allows for the selection of a limited number of merchants or preset groups via a client interface, with unique account numbers assigned to cards. A merchant management system creates filters for selected merchants, and a card processing system operated by credit or debit card associations authorizes transactions only with selected merchants. The client interface also enables the selection of redeemable amounts by the cardholder at selected merchants, with options for previewing the card, collecting client-provided images, and customizing the amount redeemable. The method for approving card transactions involves receiving merchant and value data, authorizing transactions with selected merchants, denying transactions with non-selected merchants, and verifying funding for account activation, providing flexibility in redeemable amounts and activation status based on client funding. The system supports both physical and virtual cards, with access to account parameters provided in response to transaction requests initiated by cardholders with requesting merchants.

To know more about GlobalData’s detailed insights on Blackhawk Network, buy the report here.

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GlobalData, the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article.

GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.