Patent Publication Number: US-8523078-B2

Title: Transaction card with dual scratch and peel label

Description:
BACKGROUND OF THE INVENTION 
     Gift cards, coupons and lottery tickets have used scratch-off regions to conceal amounts, codes or symbols. A user scratches the scratch-off regions to remove a scratch-off surface so as to reveal the amount, code or symbol. Users use various techniques to scratch off such scratch-off surfaces. For example, a fingernail, a coin, scissors, or any other similar object can be used to scratch off the scratch-off surfaces. One difficulty is that different users tend to use different objects as well as techniques (e.g., angle, direction and pressure) to perform the scratch off. Another difficulty is that the characteristics of scratch-off regions are not consistent across different usages (e.g., gift cards, coupons, lottery tickets) or across different manufacturers. As a result, each user&#39;s experience with scratching off surfaces tends to be different and unique. 
     This inconsistency in design and variation in user techniques can lead to user frustration, such as when a user accidentally scratches and/or removes the concealed information while attempting to merely remove the scratch-off surface. In other words, users can mistakenly scratch even through the concealed information under the scratch-off surfaces, thereby losing the ability to access the concealed information. Additionally, scratching off a scratch-off surface produces undesired debris. 
     SUMMARY 
     A dual scratch and peel label provides a user with the option of scratching off the label to reveal concealed information concealed using the dual scratch and peel label or the option of peeling off the label to reveal the concealed information. Users may desire to peel the label for efficiency and to not produce any waste that results from scratching off one or more scratch-off layers on the label. 
     In one embodiment, a card may have a card substrate having at least a surface, the surface including at least predetermined information to be concealed provided thereon, and a dual scratch and peel label provided on the card substrate over the predetermined information, the dual scratch and peel label including at least: (i) a first base film adhered to the card substrate over the at predetermined information; (ii) a second base film releasably adhered over the first base film; and (iii) a scratch-off surface applied over the second base film, the scratch-off surface being configured to conceal the predetermined information provided on the card substrate. 
     In another embodiment, a card, may have a card substrate having at least an account activation section, the account activation section including at least one redemption code provided thereon, and a dual scratch and peel label provided on the card substrate over the at least one redemption code, the dual scratch and peel label including at least: (i) a first base film adhered to the card substrate over the at least one redemption code; (ii) a second base film releasably adhered over the first base film; and (iii) a scratch-off surface applied over the second base film, the scratch-off surface being configured to conceal the at least one redemption code provided on the card substrate. 
     In another embodiment, a transaction card having an account activation section, wherein the account activation section includes at least one redemption code provided thereon, the transaction card may have a first base film adhered over the at least one redemption code, a second base film removably adhered over the first base film using a release liner, a first scratch-off layer applied to a top surface of the second base film, the first scratch-off layer configured to conceal the at least one redemption code provided on the transaction card, and a second scratch-off layer provided above the first scratch-off layer, wherein the at least one redemption code is viewable when either (i) the first and second scratch-off layers are substantially removed, or (ii) the second base film having the first and second scratch-off layers provided thereon is substantially removed from the first base film. 
     In one embodiment, a method for creating a dual scratch and peel label, may comprise removably adhering a second base film over a first base film using a releasable adhesive, applying a first scratch-off layer to a top surface of the second base film, the first scratch-off layer configured to conceal protected information provided on a substrate, affixing a second scratch-off layer over the first scratch-off layer, and permitting access to the protected information through removal of the second base film to reveal the protected information, or through substantial removal by way of scratch-off of the first and second scratch-off layers. 
     In another embodiment, a method for creating a dual scratch and peel label, may comprise removably adhering a second base film over a first base film using a releasable adhesive, applying a first scratch-off layer to a top surface of the second base film, the first scratch-off layer configured to conceal protected information provided on a substrate, affixing a second scratch-off layer over the first scratch-off layer, and permitting access to the protected information through removal of the second base film to reveal the protected information, or through substantial removal by way of scratch-off of the first and second scratch-off layers. 
     The present invention provides other hardware configured to perform the methods of the invention, as well as software stored in a machine-readable medium (e.g., a tangible storage medium) to control devices to perform these methods. These and other features will be presented in more detail in the following detailed description of the invention and the associated figures. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The accompanying drawings, which are incorporated into and constitute a part of this specification, illustrate one or more example embodiments and, together with the description of example embodiments, serve to explain the principles and implementations. 
       In the drawings: 
         FIGS. 1A-1C  illustrates various embodiments of a transaction card. 
         FIGS. 2A-2L  illustrate formation of a dual scratch and peel label on a transaction card. 
         FIGS. 3A-3C  illustrate example removable features. 
         FIGS. 4A and 4B  illustrate example transaction cards having a dual scratch and peel label. 
         FIG. 5  illustrates a flow chart of a method for forming a dual scratch and peel label. 
         FIG. 6  illustrates a flow chart of a method of using the dual scratch and peel label. 
     
    
    
     DETAILED DESCRIPTION OF EXEMPLARY EMBODIMENTS 
     Embodiments are described herein in the context of a dual scratch and peel label. The following detailed description is illustrative only and is not intended to be in any way limiting. Other embodiments will readily suggest themselves to such skilled persons having the benefit of this disclosure. Reference will now be made in detail to implementations as illustrated in the accompanying drawings. The same reference indicators will be used throughout the drawings and the following detailed description to refer to the same or like parts. 
     A dual scratch and peel label provides a user with the option of scratching off portions of the dual scratch and peel label to reveal information concealed by the dual scratch and peel label, or the user has the option of peeling off the dual scratch and peel label to reveal the information being concealed. Some user may desire to scratch off portions of the dual scratch and peel label to reveal the concealed information. Other users may desire to peel off the dual scratch and peel label to reveal the concealed information which can be more efficiently accessed without produce debris that otherwise results from scratching off portions of one ore more scratch-off layers of the dual scratch and peel label. 
       FIGS. 1A-1C  illustrate various embodiments of a transaction card. The transaction card may be any transaction card having predetermined information, to be concealed, displayed thereon. For example, the transaction card may be a gift card, pre-paid telephone card, discount card, coupon, or any other type of transaction card having a unique code or redemption code printed thereon. The redemption code may be used to redeem the subject matter of the gift card (i.e. service or product) and/or phone minutes and is generally initially concealed or made invisible. In another example, the transaction card may be a lottery card having concealed symbols, prizes, and the like. Referring to  FIG. 1A , the transaction card  100  may display company indicia  102  and download instructions  104  to obtain the product or service of the transaction card  100 . The transaction card  100  may also display terms and conditions  106  for use of the transaction card and a redemption code  108 . The redemption code  108 , as illustrated, may be an alphanumeric code which in intended to be concealed and kept private or secret. The redemption code  108  may generally include any number of characters, e.g., numbers, text, symbols or the like. It should be appreciated that until the account activation section  140  (as further discussed below) is processed i.e., until at least one element included in the account activation section  140  is processed to activate transaction card  100 , transaction card  100  is essentially worthless in that the subject matter of the transaction card  100  cannot be accessed because the redemption code  108  is also inactive. That is, redemption code  108  is not redeemable for the products or services associated with transaction card  100  until transaction card  100  is activated at a point-of-sale. 
     The transaction card  100  may also have an account activation section  110 . As illustrated in  FIG. 1B , the account activation section  110  may include a universal product code (UPC) code  116  and/or bar code  114 , which are arranged to be scanned as a part of an activation process. In another embodiment, account activation section  110  may include at least one redemption or unique code  108 . UPC code  116  may be used at a point-of-sale to effectively charge a purchaser for the purchase of transaction card  100  or, more specifically, the activation of transaction card  100 . Bar code  114 , which may be read by optical scanners or bar code readers, may include information that identifies transaction card  100 . It should be understood that the format of bar code  114  may vary widely. By way of example, bar code  114  may be encoded in UPC code  116 , a datamatrix 2D bar code format, or the like. 
     In another embodiment, account activation section  110  may include a magnetic stripe (not shown) in lieu of a bar code. In general, account activation section  110  may also include both a magnetic stripe and a bar code. As will be appreciated by those skilled in the art, magnetic stripe effectively contains information that allows data stored remotely to be accessed by swiping magnetic stripe past a card-reader head. A card reader head may be part of a point-of-sale device. 
     Additionally, as illustrated in  FIG. 1B , the redemption code  108  may be concealed using a dual scratch and peel label  112 . Portions of the dual scratch and peel label  112  may be scratched-off and/or the dual scratch and peel label  112  may be peeled-off to reveal the redemption code  108 , as further discussed with reference to  FIGS. 4A and 4B . 
     Data, such as the company indicia  102 , terms and conditions  106 , download instructions  104 , information to be concealed (i.e. redemption code  108 ), and information in the account activation section  110  may be printed on the transaction card  100  via any known printing methods such as with direct on demand, inkjet printer, thermal printing, and the like. Although illustrated with specific data, this is not intended to be limiting as any other data, text, or indicia may be presented on the transaction card  100 . For example, the price of the card, a playlist of digital files, and the like may be displayed on the transaction card  100 . In another example, the company may not display its indicia on the transaction card  100 . 
       FIG. 1C  illustrates another embodiment of a transaction card. The transaction card may be, for example, a lottery-type ticket  120 . The lottery ticket  120  may have a plurality of play areas  122  that are concealed using a dual scratch and peel label  130 . Portions of the dual scratch and peel label  130  may be scratched-off and/or the dual scratch and peel label  130  may be peeled-off to reveal concealed information  124 . As illustrated, for example, portions of concealed play area  132  may be scratched-off to reveal a monetary amount of $5.00  124 . Although the concealed information  124  is illustrated as a monetary amount, this is not intended to be limiting as any other indicia may be concealed such as symbols, art, pictures, text, and the like. 
     Each dual scratch and peel label  130  may have a removable feature  126  to assist with the removal of the dual scratch and peel label  130 . The removable feature  126  may be any feature to assist in the removal or peel-off of dual scratch and peel label  130 . The removable feature  126  may be, for example, a tab or any other similar feature where a user can remove the dual scratch and peel label  130  with one&#39;s fingernail, finger, or any other object. Other removable features are discussed with reference to  FIGS. 3A and 3B . 
     Lottery ticket  120  may have an account activation section  126 . Similar to the account activation section  110  discussed above in  FIGS. 1A and 1B , the account activation section  126  may include a UPC code and/or bar code, which are arranged to be scanned as a part of an activation process. In another embodiment, the account activation section  126  may include at least one redemption or unique code. UPC code may be used at a point-of-sale to effectively charge a purchaser for the purchase of lottery ticket  120  or, more specifically, the activation of lottery ticket  120 . Bar code, which may be read by optical scanners or bar code readers, may include information that identifies lottery ticket  120 . It should be understood that the format of bar code may vary widely. By way of example, bar code may be encoded in the UPC code, a datamatrix 2D bar code format, or the like. 
     In another embodiment, account activation section  126  may include a magnetic stripe in lieu of a bar code. In general, account activation section  126  may also include both a magnetic stripe and a bar code. As will be appreciated by those skilled in the art, magnetic stripe effectively contains information that allows data stored remotely to be accessed by swiping magnetic stripe past a card-reader head. A card reader head may be part of a point-of-sale device. 
       FIGS. 2A-2L  illustrate formation of a dual scratch and peel label on a transaction card. The transaction card  200  may be similar to the transaction card illustrated in  FIGS. 1A and 1B . For example, the transaction card  200  may have company indicia  206 , download instructions  208 , redemption code  204 , and terms and conditions  210  displayed thereon. The transaction card may also have an account activation section  212 . Referring to  FIG. 2A , a first base film  202  may be affixed or adhered over the redemption code  204 .  FIG. 2B  illustrates a side view of  FIG. 2A . The first base film  202  may be a clear and substantially transparent film so that the redemption code  204  may be visible through the first base film  202 . In one example, the first base film  202  may be any type of clear styrene film or other clear polymer film material. In another example, the first base film  202  may also be formed from polyester, paper, nylon, polypropylene, or any other similar materials. The first base film  202  may be secured to the transaction card  200  by any known adhesive that is retained on the underside of the first base film  202  or an adhesive that is applied directly onto the transaction card  200 . This adhesive may be a pressure sensitive adhesive, or any other known adhesives. 
     The first base film  202  may be any desired thickness. In one embodiment, the first base film  202  has a thickness between about 0.1 millimeters-1 millimeter. In another embodiment, the first base film  202  has a thickness between about 0.5 millimeters-2 millimeters. 
     The first base film  202  may have a plurality of security features  240 , such as security slits. The security features  240  prevents a user from removing the dual scratch and peel label  230  to steal the concealed information. In other words, the security features  240  prevents a user from stealing the redemption code  204  to redeem when a purchaser purchases and activates the transaction card  200 . In one example, the security features  240  are a plurality of slits or indents formed in the first base film  202  such that the first base film  202  cannot be removed in its entirety. An attempted removal of the first base film  202  will result in only partial remove of the first base film  202 . Thus, since only portions of the first base film  202  can be removed at a time, this informs a potential purchaser that the transaction card  200  has been tampered with. 
     A second base film  214  may be removably adhered over the first base film using a release liner or a one-time adhesive as illustrated in  FIG. 2C .  FIG. 2D  illustrates a side view of  FIG. 2C . In one embodiment, the one-time adhesive may be composed of a material, such as a releasable adhesive, dry release adhesive, or evaporative adhesive, such that when the second base film  214  is removed from the first base film  202  substantially no effective adhesive remains on the removed second base film  214  or the first base film  202 . Thus, the second base film  214  may no longer be affixed or adhered to the first base film  202  once removed. In one embodiment, once the second base film  214  is removed from the first base film  202 , the dual scratch and peel label  230  may have a slight bend and can no longer be positioned in a flat or rigid horizontal state or form. 
     One example of a release liner may include a dry release adhesive wherein essentially no adhesive remains on the second base film  214  or the first base film  202 . In another example, the release liner or one-time adhesive may be an evaporative adhesive in which some of the adhesive might be present on the second base film  214  but quickly evaporates upon exposure to the air. When the release liner or one-time adhesive is comprised of an evaporated adhesive, it is somewhat liquid in form when applied, yet cannot evaporate or sublime because it is sealed between the first base film  202  and the second base film  214 . Until second base film  214  is removed and exposes that portion of the one-time adhesive, the adhesive can then evaporate or sublime. 
     As illustrated, in one embodiment, the second base film  214  may have an area smaller than the area of the first base film  202 . Yet, the second base film  214  may also substantially cover the redemption code  204 . In other words, the second base film  214  may have a height and width smaller than a height and width of the first base film  202 . In another embodiment, the second base film  214  may have substantially the same area as the first base film  202 . In other words, the second base film  214  may have substantially the same height and width as the first base film  202 . The second base film  214  may be any desired thickness. In one embodiment, the second base film  214  has a thickness between about 0.1 millimeters-1 millimeter. In another embodiment, the second base film  214  has a thickness between about 0.5 millimeters-1.5 millimeters. 
     Similar to the first base film  202 , the second base film  214  may be any clear, transparent film so that the redemption code  204  may be visible through the first base film  202  and second base film  214 . In one example, the second base film  214  may be any type of clear styrene film or other clear polymer film material. In another example, the second base film  214  may also be formed as polyester, paper, nylon, polypropylene, or any other similar materials. 
     A first scratch-off layer  216  may be applied to the second base film  214  as illustrated in  FIG. 2E .  FIG. 2F  illustrates a side view of  FIG. 2E . As illustrated, the first scratch-off layer may be a black colored, non-transparent layer affixed or adhered to the second base film  214 . If portions of the first scratch-off layer  216  is scratched off, the redemption code  204  may be revealed. The first scratch-off layer  216  may be any material configured to optically block out or conceal the redemption code displayed on the transaction card  200 . In one embodiment, the first scratch-off layer  216  may be a thin layer of pigmented paraffin or other kind of wax, plastic or other substance which is applied through a rolling, spraying or stamping process such as is normally used to make scratch-off type labels. The first scratch-off layer  216  may be designed to be easily scratched off, such as with a fingernail, scissors, keys, coin, or the like to expose the surface directly underneath the first scratch-off layer  216  (i.e. the second base film  214 ). 
     A second scratch-off layer  218  may be applied to the first scratch-off layer  216  as illustrated in  FIG. 2G .  FIG. 2H  illustrates a side view of  FIG. 2G . The first scratch-off layer  216  and the second scratch-off layer  218  may form a scratch-off surface of the dual scratch and peel label  230 . The second scratch-off layer  218  may be a silver color, non-transparent layer affixed or adhered to the first scratch-off layer  216 . Similar to the first scratch-off layer  216 , the second scratch-off layer  218  may be a thin layer of pigmented paraffin or other kind of wax, plastic or other substance which is applied through a rolling, spraying or stamping process such as is normally used to make scratch-off type labels. The second scratch-off layer  218  may be designed to be easily scratched off, such as with a fingernail, scissors, keys, coin, or the like to expose the first scratch-off layer  216  directly underneath the second scratch-off layer  218 , the second base film  214 , and/or the redemption code  204 . 
     As illustrated in  FIG. 2I , indicia  220  may be printed on a portion of the second scratch-off layer  218 .  FIG. 2J  illustrates a side view of  FIG. 2I . In one embodiment, the printed indicia  220  may be any text such as “Scratch or Peel” to inform the user that the concealed information concealed by the dual scratch and peel label  230  may be revealed by either scratching the dual scratch and peel label  230  or peeling off the dual scratch and peel label  230 . However, this is for exemplary purposes only as any type of indicia may be printed on a portion of the second scratch-off layer  218  such as shapes, text, logos, pictures, and the like. 
     A protective film  222  may be affixed or adhered over the dual scratch and peel label  230  as illustrated in  FIG. 2K .  FIG. 2L  illustrates a side view of  FIG. 2K . In one embodiment, the protective film  222  may be affixed or adhered only over the second scratch-off layer  218 . In another embodiment, the protective film  222  may be affixed or adhered over substantially all of dual scratch and peel label  230  (e.g. over the second scratch-off layer  218  and the first base film  202 ). The protective film  222  may be a thin layer designed to seal and/or protect the dual scratch and peel label  230  from weather, pre-mature scratching, age, flaking, and the like. In one embodiment, the protective film  222  is thinner than the first base film  202  and the second base film  214 . In one example, the protective film  222  has a thickness of between about 0.05 millimeters-1.0 millimeters. In another example, the protective film  222  has a thickness of between about 0.5 millimeters-1.5 millimeters. The protective film  222  may be affixed or adhered to the first base film  202  and the second scratch-off layer  218  using any known adhesives or methods. 
       FIGS. 3A-3C  illustrate example removable features. Referring to  FIG. 3A , the second base film  300  may have removable feature  302 . The removable feature may be, for example, a tab. The second base film  300  and removable feature  302  may be integral with or formed at the same time. In other words, the removable feature  302  may be die cut as an integral part of the second base film  300 . Although illustrated with the removable feature  302  on a corner of the second base film  300 , this is not intended to be limiting as the removable feature  302  may be positioned in any location on the second base film  300 . Additionally, the removable feature  302  may be any desired shape such as a square, triangle, semi-circle, oval, and the like. 
     In another embodiment, the removable feature  302  may be formed separate from the second base film  300  and affixed or adhered to the second base film  300  using any known adhesive. Additionally, the removable feature  302  may be any desired shape such as a square, triangle, semi-circle, oval, and the like. 
       FIG. 3B  illustrates another embodiment of removable feature  306 .  FIG. 3C  is a cross-sectional view of  FIG. 3B  along line A. The removable feature  306  may be a recess or depression  306  in the transaction card  304 . The recess or depression  306  allows for the ease in the removal of the dual scratch and peel label. The size and shape of the recess  306  may vary based on the size of the dual scratch and peel label, transaction card  304 , and any other user desires. The recess  306  may be formed a variety of ways. In one embodiment, the recess  306  can be embossed, stamped, or shaped into the transaction card  304 . In another embodiment, the recess  306  is formed by coupling various layers of the transaction card  304  together with at least the top layer including an opening which forms the side walls of the recess  306  and a bottom layer which forms the bottom of the recess  306 . 
     The depth of the recess  306  may vary widely. The depth of the recess  306  may be configured to receive a finger, fingernail, or any other object to allow the user to easily grab a portion of the second base film to lift or peel the second base film from the first base film. In one embodiment, the depth of the recess  306  may be greater than the thickness of the transaction card  304 . In another embodiment, the depth of the recess  306  may be smaller than the thickness of the transaction card  304 . In still another embodiment, the depth of the recess  306  may be substantially equal to the thickness of the transaction card  304 . In most cases, the depth is typically configured to allow for the ease in peeling or lifting of the second base film from the first base film. Moreover, the recess  306  may be located proximate to the second base film and/or the redemption code  308 . 
       FIGS. 4A and 4B  illustrate example transaction cards having a dual scratch and peel label. Referring to  FIG. 4A , a user may desire to scratch a portion of the dual scratch and peel label  402  to reveal concealed information (e.g. redemption code  404 ). Use of a fingernail, knife, scissors, coin, or any other similar objects may be used to scratch the dual scratch and peel label  402 . In use, portions of the first and second scratch-off layers  406  may be removed to reveal redemption code  404 . In this embodiment, residue of the first and/or second scratch-off layers  406  may be present on or in the proximity of the redemption code  404  after removal of portions of the scratch-off layers  406 . 
     Referring now to  FIG. 4B , a user may desire to peel or lift the dual scratch and peel label  402  to reveal concealed information (e.g. redemption code  404 ). Use of a fingernail, knife, scissors, coin, or any other similar objects may be used to peel or lift dual scratch and peel label  402 . In essence, the second base film  408  may be removed from, peeled, or lifted away from the first base film  412 . The peeling away of or lifting of the second base film  408  from the first base film  412  may reveal redemption code  404 . Lifting the dual scratch and peel label  402  to reveal the concealed information can more efficiently access the concealed information without producing debris that otherwise results from scratching off portions of the scratch-off layers. 
     A removable feature  414  may be used to assist with the removal of the dual scratch and peel label  402 . As illustrated, removable feature  414  may be a tab coupled to the second base film  408 . In use, a user may use a finger, fingernail, or any other object to lift the tab and peel or lift the second base film  408  from the first base film  412 . Although illustrated with the removable feature  414  on a corner of the second base film  408 , this is not intended to be limiting as the removable feature  414  may be located in any desired position on the second base film  408 . 
     The second base film  408  may be removably adhered over the first base film  412  using a release liner. In one embodiment, the release liner may be composed of a material, such as a dry release adhesive or evaporative adhesive, such that when the second base film  408  is removed from the first base film  412  substantially no effective adhesive remains on the removed second base film  408 . Thus, the second base film  408  may no longer be affixed or adhered to the first base film  412 . In one embodiment, once the second base film  408  is removed from the first base film  412 , the dual scratch and peel label  402  may have a slight bend and can no longer be positioned in a flat or rigid horizontal state or form. 
     One example of a release liner may include a dry release adhesive wherein essentially no adhesive remains on the second base film  408  or the first base film  412 . In another example, the release liner may be an evaporative adhesive in which some of the adhesive might be present on the second base film  408  but quickly evaporates upon exposure to the air. When the release liner is comprised of an evaporated adhesive, it is somewhat liquid in form when applied, yet cannot evaporate or sublime because it is sealed between the first base film  412  and the second base film  408 . Until second base film  214  is removed and exposes that portion of the adhesive release liner, the release liner can then evaporate or sublime. 
       FIG. 5  illustrates a flow chart of a method for forming a dual scratch and peel label. The method  500  may start with obtaining a first base film at  502 . The first base film may be a clear and substantially transparent film so that the redemption code may be visible through the first base film  502 . In one example, the first base film may be any type of clear styrene film or other clear polymer film material. In another example, the first base film may also be formed from polyester, paper, nylon, polypropylene, or any other similar materials. The first base film may be any desired thickness. In one embodiment, the first base film has a thickness between about 0.1 millimeters-1 millimeter. In another embodiment, the first base film has a thickness between about 0.5 millimeters-2 millimeters. 
     Additionally, the first base film may have a plurality of security features, such as security slit. The security feature prevents a user from removing the dual scratch and peel label to steal the concealed information. In other words, the security features prevent a user from stealing the redemption code to redeem when a purchaser purchases and activates the transaction card. In one example, the security features are a plurality of slits or indents formed in the first base film such that the first base film cannot be removed in its entirety. An attempted removal of the first base film will result in only partial remove of the first base film. Thus, since only portions of the first base film can be removed at a time, this informs a potential purchaser that the transaction card has been tampered with. 
     A second base film may be removably adhered over the first base film at  504  using a release liner or a one-time adhesive. In one embodiment, the one-time adhesive may be composed of a material, such as a releasable adhesive, dry release adhesive, or evaporative adhesive, such that when the second base film is removed from the first base film substantially no effective adhesive remains on the removed second base film or the first base film. Thus, the second base film may no longer be affixed or adhered to the first base film once removed. In one embodiment, once the second base film is removed from the first base film, the dual scratch and peel label may have a slight bend and can no longer be positioned in a flat or rigid horizontal state or form. 
     One example of the release liner may include a dry release adhesive wherein essentially no adhesive remains on the second base film or the first base film. In another example, the release liner or one-time adhesive may be an evaporative adhesive in which some of the adhesive might be present on the second base film but quickly evaporates upon exposure to the air. When the release liner or one-time adhesive is comprised of an evaporated adhesive, it is somewhat liquid in form when applied, yet cannot evaporate or sublime because it is sealed between the first base film and the second base film. Until second base film is removed and exposes that portion of the adhesive, the adhesive can then evaporate or sublime. 
     In one embodiment, the second base film may have an area smaller than the area of the first base film. Yet, the second base film may also substantially cover the redemption code. In other words, the second base film may have a length and height smaller than a length and height of the first base film. In another embodiment, the second base film may have substantially the same area as the first base film. In other words, the second base film may have a length and height similar to the first base film. 
     Similar to the first base film, the second base film may be any clear, substantially transparent film so that the redemption code may be visible through the first base film and second base film. In one example, the second base film may be any type of clear styrene film or other clear polymer film material. In another example, the second base film may also be formed as polyester, paper, nylon, polypropylene, or any other similar materials. The second base film may be any desired thickness. In one embodiment, the second base film has a thickness between about 0.1 millimeters-1 millimeter. In another embodiment, the second base film has a thickness between about 0.5 millimeters-2 millimeters. 
     A first scratch-off layer may be applied to the second base film at  506 . The first scratch-off layer may be a black colored, non-transparent layer affixed or adhered to the second base film. If portions of the first scratch-off layer is scratched off, the redemption code may be revealed. The first scratch-off layer may be any material configured to optically block out or conceal the redemption code displayed on the transaction card. In one embodiment, the first scratch-off layer may be a thin layer of pigmented paraffin or other kind of wax, plastic or other substance which is applied through a rolling, spraying or stamping process such as is normally used to make scratch-off type labels. The first scratch-off layer may be designed to be easily scratched off, such as with a fingernail, scissors, keys, coin, or the like to expose the surface directly underneath the first scratch-off layer (i.e. the second base film). 
     A second scratch-off layer may be applied over the first scratch-off layer at  508 . The first scratch-off layer and the second scratch-off layer may form a scratch-off surface of the dual scratch and peel label. In one embodiment, the second scratch-off layer may be a silver colored, non-transparent layer. However, any other color may be used for the second scratch-off layer. Similar to the first scratch-off layer, the second scratch-off layer may be a thin layer of pigmented paraffin or other kind of wax, plastic or other substance which is applied through a rolling, spraying or stamping process such as is normally used to make scratch-off type labels. The second scratch-off layer may be designed to be easily scratched off, such as with a fingernail, scissors, keys, coin, or the like to expose the first scratch-off layer directly underneath the second scratch-off layer  218 , and eventually the redemption code if the first scratch-off layer is also scratched off, the second base film, and/or the redemption code. 
     Indicia may be printed on a portion of the second scratch-off layer at  510 . In one embodiment, the printed indicia may be any text such as “Scratch or Peel” to inform the user that the concealed information concealed by the dual scratch and peel label may be revealed by either scratching the dual scratch and peel label or peeling off the dual scratch and peel label. However, this is for exemplary purposes only as any type of indicia may be printed on the second scratch-off layer such as shapes, text, logos, pictures, and the like. 
     A protective film may be affixed or adhered over the dual scratch and peel label at  512 . In one embodiment, the protective film may be affixed or adhered over the second scratch-off layer. In another embodiment, the protective film may be affixed or adhered over substantially all of dual scratch and peel label (e.g. the second scratch-off layer and the first base film). The protective film may be designed to protect the dual scratch and peel label. The protective film may be a thin layer designed to seal and/or protect the dual scratch and peel label from weather, pre-mature scratching, age, flaking, and the like. In one embodiment, the protective film is thinner than the first base film and the second base film. In one example, the protective film has a thickness of between about 0.05 millimeters-1.0 millimeters. In another example, the protective film has a thickness of between about 0.25 millimeters-1.5 millimeters. The protective film may be affixed or adhered to the first base film and the second scratch-off layer using any known adhesives or methods. The protective film may be affixed or adhered to the first base film and/or the second scratch-off layer using any known adhesives or methods. 
     The dual scratch and peel label may then be formed to any desired shape at  514 . The dual scratch and peel label may be formed by any known method such as die cutting and the like. The dual scratch and peel label may be formed into any desired shape that can conceal the predetermined information, such as a redemption code. In one example, as illustrated in  FIG. 1B , the dual scratch and peel label may be formed or die cut into an elongated oval shape. In another example, as illustrated in  FIG. 1C , the dual scratch and peel label may be formed or die cut into a square shape. 
     A transaction card having predetermined information, to be concealed, displayed thereon may be obtained at  516 . The predetermined information may be printed on the transaction card via any known printing methods such as with direct on demand, inkjet printer, thermal printing, and the like. 
     In one example, the transaction card may be a gift card, pre-paid telephone card, discount card, coupon, or any other type of transaction card having a unique code or redemption code printed thereon. The redemption code may be used to redeem the product or service and is generally initially concealed or made invisible. In another example, the transaction card may be a lottery-type card having concealed symbols, prizes, and the like. 
     The formed dual scratch and peel label may be affixed or adhered to the transaction card by adhering the first base film over the predetermined information to be concealed at  518 . The first base film may be secured to the transaction card by any known adhesive that is retained on the underside of the first base film or an adhesive that is applied directly onto the transaction card. This adhesive may be a pressure sensitive adhesive or any other known adhesive. 
       FIG. 6  illustrates a flow chart of a method of using the dual scratch and peel label. The method  600  begins with determining whether portions of the scratch-off surface are removed at  602 . A user may desire to physically scratch a portion of the scratch-off surface of the dual scratch and peel label to reveal the concealed information. Use of a fingernail, knife, scissors, coin, or any other similar objects may be used to scratch the scratch-off surface. In essence, a portion of the first and second scratch-off layers may be removed to reveal the concealed information. In this embodiment, residue of the first and/or second scratch-off layers may be present on or in the proximity of the redemption code after removal of the scratch-off layers. 
     If it is determined that portions of the scratch-off surface are not removed at  602 , a determination is made whether the second base film is removed from the first base film at  604 . Other users may desire to peel off the dual scratch and peel label to reveal the concealed information which can be more efficiently accessed without produce debris that otherwise results from scratching off portions of the scratch-off layers. Use of a fingernail, knife, scissors, coin, or any other similar objects may be used to peel or lift the dual scratch and peel label. In essence, the second base film may be removed from, peeled, or lifted away from the first base film. The peeling away of or lifting of the second base film from the first base film may reveal the concealed information, such as a redemption code. 
     A removable feature may be used to assist in the removal of dual scratch and peel label. In one embodiment, the removable feature may be a tab coupled to or integral with the second base film. In use, a user may use a finger, fingernail, or any other object to lift the tab and peel or lift the second base film from the first base film. The removable feature may be located in any desired position proximate the second base film. In another embodiment, the removable feature may be a recess on the transaction card, as discussed in detail above with reference to  FIG. 3B . 
     If it is determined that portions of the scratch-off layers are removed at  602  or that the second base film is removed from the first base film at  604 , the concealed information may be revealed at  606 . Once revealed, the user may use the concealed information, such as a redemption code, to redeem the subject matter of the transaction card. The subject matter of the transaction card may be any product or service, such as the purchase of a digital media item. 
     It will now be known that use of the redemption code may only be possible after an activation process is performed on the transaction card. An activation process may include a potential purchaser providing the card to a point-of-sale device, and the point-of-sale device being used to communicate with appropriate data store arrangements to ascertain whether the card may be activated. An activation process may also include a determination of whether the would-be owner of the card has the resources to pay for the card, and if payment tendered for the card is acceptable. Once the activation process on the card is completed, the user may use the redemption code to redeem the product or service of the transaction card. For example, if the transaction card is a gift card to obtain a digital media asset, the user may access an online media store. Once the interface website is accessed to enable the transaction card to be redeemed for the digital media asset, the redemption code may be provided to the online media store/website. Providing the redemption code to the online media store/website allows identification of the digital media asset associated with the redemption code. After the redemption code is provided to the online media store/website, the digital media asset may be downloaded from the online media store/website. The process of obtaining the digital media asset is completed when the digital media asset is downloaded. 
     By allowing a user to peel off the dual scratch and peel label to reveal the concealed information, such as a redemption code, the user may be able to use image analysis to redeem the product or service of the transaction card. Currently, the only option a user has to reveal the concealed information is by scratching off a portion of a scratch-off surface. This results in residue of material (i.e. the scratch-off layers) present on or in the proximity of the redemption code even after removal of the scratch-off layers. Presence of the residue can make the determination of the redemption code more challenging and may be unreadable using image analysis. In other words, although the redemption code can be determined based on an image of the transaction card, simply scratching off the scratch-off layers may make the determination of the redemption code unreadable. Thus, by allowing the user to peel off the dual scratch and peel label, no residue of material will remain and the redemption code can be determined based on an image of the transaction card. 
     When using image analysis to redeem the transaction card, an image of the transaction card can be processed using image analysis or one or more image processing techniques to extract the redemption code for the transaction card. By way of example, an image (e.g., a digital picture) of the transaction card (e.g., gift card) can be processed by a device to extract an alphanumeric value printed on the transaction card. This means that the alphanumeric value need not be entered manually by a person who seeks to redeem the transaction card. As a result, a user can simply take a picture of the transaction card rather than having to manually enter a long alphanumeric value. This technique for submission and verification of redemption codes are particularly useful for mobile devices. 
     While embodiments and applications of this invention have been shown and described, it would be apparent to those skilled in the art having the benefit of this disclosure that many more modifications than mentioned above are possible without departing from the inventive concepts herein.