Rebates and Consumer Reward Management

The scratch off feature is intended to protect consumers who purchase cards in a "gift card mall" or end cap unit in a retail environment from fraud and illegal use. If the gift card displayed the pin number prominently then individuals could record them, utilize the unique pin identifier on any sold card, report it missing and potentially have it reissued or use it in-store or on-line. When the card is swiped to activate in-store, the pin is registered and activated with the funds loaded, although the user or purchaser remains anonymous, so the pin number is the purchasing consumer's only reference number to check balances or for on-line transactions and sales.