PINs theft design element summary addition attention consumers uniqueness information security cut black lacquer visual impact prepaid cards differentiation underlying data protective layer discount coupons scratch holograms visible tampering enhanced security security features tampering attempts holographic effect innovative solution competitive markets advanced technology various applications laminating techniques branding opportunities sensitive 'PIN' numbers unauthorized scratching seamless user experience holographic visual barrier standard grey latex panels specialized film preparation holographic scratch-off labels traditional scratch-off panels advanced holographic technology