| CPC G06Q 50/26 (2013.01) [G06Q 10/1091 (2013.01); G07C 9/37 (2020.01)] | 7 Claims |

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1. A vending machine system for dispensing a payment instrument to a user, the system comprising:
a vending machine;
a capturing device that captures user identification data of the user of the vending machine;
a computing system that compares the captured user identification data to verified identification data, wherein matching the verified identification data with the captured user identification data identifies the user;
the computing system requiring a rule to be met prior to instructing the vending machine to dispense the payment instrument, wherein the rule is met prior to dispensing the payment instrument to the user;
the computing system generating a record after identifying the user, wherein the record indicates the identity of the user;
terms associated with the payment instrument, wherein the vending machine accepts input from the user indicating that the user accepts the terms associated with the payment instrument, wherein the vending machine receives input indicating that the user accepts the terms prior to activation of the payment instrument.
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