Gold Card PrePaid Debit

April 16, 2018

2.2.1 Overview

The Visa Gold Prepaid card is a loyalty program that can be used as a regular debit card. In addition, Western Union can provide opportunities to customers with this Card to purchase additional services or discounts on transactions such as 15% off base charges. These discounts are host based and the discounts are automatically applied to the fees of subsequent transactions as applicable.
Translink 2009 Release 2 contains the front end changes required to activate a Visa Gold Card and use its features.
Some of these features are the following:

  1. Activate Visa Gold Card and purchase discounts
  2. Buy additional discounts
  3. Enable or disable Additional Services options based on the customer‟s loyalty program
  4. Display customer notification when fewer than 3 discounts are remaining
  5. Display itemized discounts on the promo screen, transaction summary screen, and the receipt

NOTE: host support for this feature is not available yet.

2.2.2 Functionality

2.2.2.1 Activate Visa Gold Card and purchase discounts

Some customers are eligible to receive WU benefits and thus receive a Visa Gold card in the mail. All eligible Visa Gold Card members will be setup in the system to receive this option; this is done through Loyalty Customer Card setup. See sec 2.2.3.2.1 for details.
Once this option is setup on the specific Visa Gold Card, the system will provide the mechanism through the POS to activate the feature. Customers must activate their card at an agent‟s location by adding funds to their card and using the features highlighted below using the POS.

When „Send Money‟ from the main menu is selected and a sender search is performed, the sender selection list will contain a record that will trigger activation of this new feature.

The screen shot below shows the sender selection list and one of the sender types is: Gold Card – Upgrade Visa 15

Sender Selection list with card activation option

Figure 10 Sender Selection list with card activation option

By selecting the sender associated with the Gold Card – Upgrade Visa 15 Sender type, the POS will automatically navigate to the Quick Collect recording screen to enable the customer to purchase the discounts and complete the transaction.

Auto navigation to Quick Collect recording screen

Figure 11 Auto navigation to Quick Collect recording screen

Note: If WU card number is entered at the Express Service screen, then the account number must be entered manually on the Quick Collect recording screen. If the Visa GC number is entered, then the account number is automatically populated.

Once the send amount and the account number are populated on the Quick Collect screen, the proper fee is applied to the transaction. The send amount entered on the recording screen is the amount of money to load the Visa debit card with.

See screen shot below for completed Quick Collect recording screen with the required information entered and a discount purchase amount applied to the fee of the transaction.

Completed Quick Collect recording screen

Figure 12 Completed Quick Collect recording screen

Physical existence of the Visa Gold Card is required for the activation of the card. A popup will appear to verify that the FLA verified the physical existence of the Visa Gold Card before a transaction can be validated. Submission of a transaction is not permitted unless a card has been validated and the checkbox has been selected.

Card existence verification popup

Figure 13 Card existence verification popup

Once transaction is complete, the host will apply the purchased discounts to the customer‟s subsequent transactions.

2.2.2.2 Buy Additional Discounts

Once the Visa Gold feature has been activated, the customer can then purchase additional discounts.

There are a couple of methods of purchasing additional discounts on a Visa Gold Card:

  1. By Selecting “Gold Card – Buy 15 Discounts” from the Sender Selection screen.
  2. Through Additional Services
2.2.2.2.1 Sender Selection Screen

The Sender Selection screen will display sender records which may contain an option to purchase additional discounts. The availability of this option is based on criteria determined by the host and may not be available for all consumers. The example in the screen shot below displays the option to purchase additional discounts.

Sender Selection list with Buy 15 discounts option

Figure 14 Sender Selection list with Buy 15 discounts option

Selecting the “Gold Card – Buy…” option will automatically navigate to the QQC recording screen. Once the required information is entered, the fee is applied and displayed on the screen as shown below. The example in the screen below shows the send amount of $41 to load the Visa debit card with and also the $15 fee for purchasing the discounts.

Quick Collect recording screen after purchase of additional discounts

Figure 15 Quick Collect recording screen after purchase of additional discounts

2.2.2.2.2 Additional Service

If eligible, a new Prepaid option will be displayed in the Additional Service menu. Figure 16 shows an example of an Additional Service labeled “GC Prepaid”, this label is an example and a proper name can later be defined by the business.

The host can enable/ disable this service based on eligibility rules for the service governed by the business.

The host will retain the number of discounts remaining upon use of the discounts. If the number of discounts remaining is
fewer than 3, then the host will send a popup flag which will trigger for the POS to display the GC Prepaid option under
Additional Services.

Additional Service menu on Quick Collect screen with GC Prepaid option enabled

Figure 16 Additional Service menu on Quick Collect screen with GC Prepaid option enabled

The “GC Prepaid” button can be manually selected or popped up on Validate, the corresponding Additional Service screen will be displayed as shown in Figure 17 and the customer can choose to purchase additional discounts.

GC PrePaid Additional Service Screen

Figure 17 GC PrePaid Additional Service Screen

If the customer selects the “Yes” radio button to purchase additional discounts then the user will be returned to the Quick Collect recording screen and the appropriate charges will be applied to the fee of the transaction. Otherwise, if the “No” radio button or Cancel (ESC) is selected then the user is returned to the Quick Collect recording screen, however no charges will be applied to the transaction.

2.2.2.3 Display itemized discounts

Since discounts can be applied to the transaction directly by the host now, not just through the promo code, display of these discounts in an itemized manner is necessary to provide the customer the information required about the financials of the transaction.
Discount itemization will appear on the Promo Screen and the Transaction Summary Screen. Up to 10 host based discounts
can appear on the screen in a scroll bar control.

The description of the itemized discounts applied to the transactions will also appear on the receipt as long as there is room on the promotion line to display it. See sec 2.2.2.3.3 for details.
Also, the total discount amount will be displayed to identify the dollar amount discounted from the transaction. This is a sum of all host based discounts as well as any promo used when sending the transaction.

2.2.2.3.1 Display Discounts on the Promo Screen

If host based discounts where to apply to the transaction, the Promotion tab in Additional Services will display these discounts in a scroll bar control. As well as the Total Discount amount which includes any promo code that was manually entered.

Promo Screen with itemized discounts

Figure 18 Promo Screen with itemized discounts

2.2.2.3.2 Display Discounts on the transaction Summary Screen

Host based discounts will also appear on the Transaction Summary screen. A new tab called “Discounts” was created, this tab will display all the additional discounts in an itemized manner as well as a promo discount if one was applied to the transaction. The total discount amount is also displayed on the tab.

Figure 19 Transaction Summary screen with itemized discounts

Figure 19 Transaction Summary screen with itemized discounts

2.2.2.3.3 Display Discounts on the receipt

The receipt will also display the discounts applied to the transaction.
The “Promotion/Promocion” line will contain the description of the main manual promo first, followed by the host based discounts. Only one line is dedicated to display all the discounts applied to the transaction, therefore if there is not enough room on the line to display all the discounts, the ellipse (…) will be used to denote that the entire description could not be displayed. Also, if space was not available for all the discounts to be printed on the line, the word “More…” will be printed to signify that there were more discounts applied to the transaction that could not be printed on the receipt.
The “Discount/Discuento” line on the receipt will display the total discount amount applied to the transaction.

Segment of receipt containing applied discounts

Figure 20 Segment of receipt containing applied discounts