Prepaid card

• US 5,760,381 A
• Filed: 12/16/1996
• Issued: 06/02/1998
• Est. Priority Date: 12/16/1996
• Status: Expired due to Fees

• Current Assignee: Barry Fiala
• Original Assignee: Moore Business Forms Inc.
• Inventors: Stich, Rebecca, Ramsburg, Douglas, Dalgauer, Don, Nassoiy, Stephen R., Rice, Ginger A., Wantz, John L.
• Primary Examiner(s): Hajec, Donald T.
• Assistant Examiner(s): Le, Thien Minh
• Application Number:
  US08/767,543
• Time in Patent Office: 533 Days
• Field of Search: 379/112, 379/114, 379/144, 379/130, 379/91, 340/825.34, 340/825.31, 235/380, 235/382, 235/381, 235/486, 206/39, 150/145, 150/147, 428/40
• US Class Current: 235/380
• CPC Class Codes: G06K 19/041 Constructional details G06K19/06 takes precedence
• CPC Class Codes: G06Q 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675

Abstract

Debit cards, such as long distance telephone cards, may be attractively packaged and even readily mounted for point of purchase display, in such a manner that the card is inactive until activated at the point of purchase. The card may be activated at the point of purchase without the necessity of in any way opening up the attractive packaging, or moving any portion of the packaging out of the way, and by merely "swiping" the card while still mounted in the package through a conventional card reader. The card is mounted between first and second panels of primarily cellulose material including an area significantly greater than that of the card, with the card magnetic strip completely exposed (that is uncovered by the panels or any other packaging material). The majority of the card is typically sandwiched between the first and second panels and is removably held to the panels, for example by hold melt adhesive, and the panels are affixed to each other.

Claims

1. A packaged debit card assembly comprising:

a debit card having a rectangular configuration with first and second end edges and first and second side edges, a front and a back, and an area;

a magnetic strip provided on said debit card back face adjacent and substantially parallel to said second side edge, said strip inactivate but capable of being activated at the point of purchase;

a mounting envelope for mounting said debit card while said magnetic strip is exposed, said envelope comprising first and second panels, said panels each having an area at least 20% larger than said card area, the majority of said debit card sandwiched between said first and second panels but said magnetic strip being uncovered by either of said panels or any other packaging; and

said debit card removably affixed to at least one of said panels.

2. A packaged debit card assembly as recited in claim 1 wherein said card is affixed to at least one of said panels by hot melt glue.

3. A packaged debit card assembly as recited in claim 2 wherein said card is plastic and said panels are of stiff cellulosic material.

4. A packaged debit card assembly as recited in claim 3 further comprising a mounting mechanism associated with at least one of said panels remote from said strip for mounting said panels and debit card at a point of purchase location.

5. A packaged debit card assembly as recited in claim 4 wherein said mounting mechanism comprises a hook-receiving opening.

6. A packaged debit card assembly as recited in claim 2 wherein said first panel has a flap portion thereof covering said card adjacent said front face second edge, and wherein said hot melt adhesive holds said first panel flap portion to said card front face.

7. A packaged debit card assembly as recited in claim 1 wherein said front face of said card opposite said strip is also uncovered by either of said first and second panels.

8. A packaged debit card assembly as recited in claim 1 wherein said magnetic strip is disposed at a die cut in said second panel.

9. A packaged debit card assembly as recited in claim 1 wherein said first and second panels have a rectangular configuration with first and second opposite and substantially parallel side edges and first and second opposite and substantially parallel end edges, said side edges at least 10% longer than said end edges.

10. A packaged debit card assembly as recited in claim 9 wherein said magnetic strip is parallel to and adjacent said second panel first side edge.

11. A packaged debit card assembly as recited in claim 8 wherein said magnetic strip is parallel to and adjacent said second panel second end edge.

12. A packaged debit card assembly as recited in claim 11 wherein said front face of said card opposite said strip is also uncovered by either of said first and second panels.

13. A packaged debit card assembly as recited in claim 10 wherein said front face of said card opposite said strip is also uncovered by either of said first and second panels.

14. A packaged debit card assembly as recited in claim 10 wherein said first panel end edges are longer than said second panel end edges, and wherein said first panel first edge is substantially aligned with said card second side edge and said card front face is affixed to said first panel adjacent said first panel first side edge.

15. A packaged debit card assembly as recited in claim 14 wherein said card is affixed to at least one of said panels by hot melt adhesive.

16. A packaged debit card assembly as recited in claim 11 wherein said card is affixed to at least one of said panels by hot melt adhesive, and wherein said first panel has a flap portion thereof covering said card adjacent said front face second edge, and wherein hot melt adhesive holds said first panel flap portion to said card front face.

17. A packaged debit card assembly as recited in claim 1 further comprising a second debit card mounted by said envelope with said second card magnetic strip uncovered by said panels or any other packaging.

18. A packaged debit card assembly as recited in claim 11 further comprising a hook receiving opening formed in said first and second panels adjacent said first end edges thereof, said first and second panel first end edges and first and second side edges being aligned with and affixed to each other.

19. A packaged debit card assembly as recited in claim 1 further comprising a third panel of said mounting envelope, said third panel disposed between said card and said second panel.

20. A packaged debit card assembly as recited in claim 1 wherein said envelope is cash drawer size, each of said panels having an area less than three times the area of said card.

21. A method of providing an active debit card, comprising the steps of:

(a) providing a rectangular configuration with first and second end edges and first and second side edges, a front and a back and an area, with an inactive but activatable magnetic strip on said card back face adjacent and substantially parallel to said second side edge;

(b) packaging the card between first and second primarily cellulosic panels of an envelope so that the majority of the area of the card is sandwiched between the panels and affixed to at least one of the panels, and so that the magnetic strip is uncovered by either of the panels or any other packaging;

(c) mounting the envelope for display at a point of purchase location; and

(d) during or after purchase of the envelope, with card, activating the card so that it may be used as a debit card by passing the card through a magnetic card reader without removing the card from the envelope or moving any portion of the envelope to expose the magnetic strip.