Customer activated multi-value (CAM) card
First Claim
1. A method using a computer system for a real-time customer activation of a value card wherein the system automatically processes a customer'"'"'s application for a transaction card wherein said system includes a data entry processing center, a graphical user interface, and a data storing means comprising the steps of:
- a) receiving said customer'"'"'s request into said system;
b) providing at least one or more safety features to determine whether said customer is the person whose name is printed on said transaction card; and
c) offering said customer the options of activating the transaction card by;
1) confirming the customer'"'"'s desire to activate the primary transaction card use;
2) determining the customer'"'"'s election to add a secondary credit card feature; and
3) identifying the customer'"'"'s request to activate any additional use features.
1 Assignment
0 Petitions
Accused Products
Abstract
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.
151 Citations
82 Claims
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1. A method using a computer system for a real-time customer activation of a value card wherein the system automatically processes a customer'"'"'s application for a transaction card wherein said system includes a data entry processing center, a graphical user interface, and a data storing means comprising the steps of:
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a) receiving said customer'"'"'s request into said system;
b) providing at least one or more safety features to determine whether said customer is the person whose name is printed on said transaction card; and
c) offering said customer the options of activating the transaction card by;
1) confirming the customer'"'"'s desire to activate the primary transaction card use;
2) determining the customer'"'"'s election to add a secondary credit card feature; and
3) identifying the customer'"'"'s request to activate any additional use features.
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2-16. -16. (canceled)
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17. A multi-feature apparatus comprising:
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at least one primary feature; and
at least one secondary feature, wherein a holder of the apparatus activates each primary and secondary feature, wherein further at least one primary or secondary feature is a transaction feature enabling the apparatus holder to purchase goods or services from at least one merchant, wherein further the multi-feature apparatus uses one-way only transfer of information from the apparatus to the merchant. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A multi-feature apparatus, comprising:
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at least one primary feature; and
at least one secondary feature, wherein a holder of the apparatus activates each primary and secondary feature, wherein further at least one primary or secondary feature is a transaction feature enabling the apparatus holder to purchase goods or services from at least one merchant, wherein further at least one primary feature comprises a debit feature, wherein further the multi-feature apparatus uses one-way only transfer of information from the apparatus to the merchant. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38)
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39. A multi-feature apparatus comprising:
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at least one primary feature; and
at least one secondary feature, wherein a holder of the apparatus activates each primary and secondary feature, wherein further at least one primary or secondary feature is a transaction feature enabling the apparatus holder to purchase goods or services from at least one merchant, wherein further an apparatus holder selects one primary feature or secondary feature for use at a merchant point-of-sale, wherein further the multi-feature apparatus uses one-way only transfer of information from the apparatus to the merchant. - View Dependent Claims (40, 41, 42, 43, 44, 45, 46)
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47. A multi-feature apparatus comprising:
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at least one primary feature; and
at least one secondary feature, the multi-feature apparatus being issued to an apparatus holder by an issuer, wherein a holder of the apparatus activates each primary and secondary feature, wherein further at least one primary or secondary feature is a transaction feature enabling the apparatus holder to purchase goods or services from at least one merchant, wherein further a predetermined primary feature or secondary feature is used at a merchant point-of-sale to purchase goods or services, wherein further the multi-feature apparatus uses one-way only transfer of information from the apparatus to the merchant. - View Dependent Claims (48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58)
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59. A multi-feature apparatus, comprising:
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at least one primary feature, wherein at least one primary feature is capable of being activated by an apparatus holder; and
at least one secondary feature, wherein at least one secondary feature is capable of being activated by the apparatus holder, wherein the holder of the apparatus activates each primary and secondary feature, wherein further at least one primary or secondary feature is a transaction feature enabling the apparatus holder to purchase goods or services from at least one merchant, wherein further the apparatus holder is provided the option to activate at least one primary or secondary feature at a merchant point-of-sale to purchase goods or services, wherein further the multi-feature apparatus uses one-way only transfer of information from the apparatus to the merchant. - View Dependent Claims (60, 61, 62, 63, 64, 65, 66, 67, 68)
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69. A multi-feature apparatus comprising:
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at least one primary feature;
at least one secondary feature; and
at least one predetermined payment source, wherein a holder of the apparatus activates each primary and secondary feature, wherein further at least one primary or secondary feature is a transaction feature enabling the apparatus holder to purchase goods or services from at least one merchant, wherein further payment for purchases of goods or services made with the multi-feature apparatus using any of the primary features or the secondary features can be funded from the at least one predetermined payment source, wherein further the multi-feature apparatus uses one-way only transfer of information from the apparatus to the merchant. - View Dependent Claims (70, 71, 72, 73, 74, 75, 76, 77, 78)
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79. A multi-feature apparatus comprising:
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at least one primary feature; and
at least one secondary feature, wherein a primary feature is a credit feature enabling the apparatus holder to purchase goods or services from a single merchant and a secondary feature is a credit feature enabling the apparatus holder to purchase goods or services from multiple merchants, wherein further all information stored on the apparatus that identifies the primary and secondary features is contained only in a magnetic strip, an embossment or visible printing, or any combination of a magnetic strip, an embossment and visible printing. - View Dependent Claims (80)
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81. A multi-feature apparatus comprising:
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at least one primary feature; and
at least one secondary feature, wherein a primary feature is a credit feature enabling the apparatus holder to purchase goods or services from multiple merchants and a secondary feature is a debit feature, wherein further all information stored on the apparatus that identifies the primary and secondary features is contained only in a magnetic strip, an embossment or visible printing, or any combination of a magnetic strip, an embossment and visible printing. - View Dependent Claims (82)
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Specification