Customer activated multi-value (CAM) card
First Claim
1. A method of using a computer system for a real-time customer activation of a multi-feature card having a primary feature and at least one secondary feature, the primary feature functioning as a stored value card feature and the at least one secondary feature functioning as a credit card feature, wherein the system automatically processes a customer'"'"'s activation of the card, said system including a data entry processing center, a workstation, a graphical user interface, and a data storing means;
- comprising the steps of;
a) offering to the customer a first activation of the multi-feature card as a primary transaction card having the primary feature;
b) receiving the customer'"'"'s request into said system to activate the primary feature of the primary transaction card;
c) employing at least one safety feature during the first activation request to determine whether the customer is the person whose name is printed on the primary transaction card; and
d) offering the customer an option of activating the primary transaction card by;
1) confirming the customer'"'"'s desire to activate the primary feature;
2) activating the primary feature, if the consumer confirms the first activation;
3) terminating the first activation request;
4) allowing the consumer to use the multi-feature card as a primary transaction card having only the primary feature;
e) offering to the customer a subsequent activation of the multi-feature card that determines the customer'"'"'s election to add the at least one secondary feature onto the primary transaction card; and
f) determining the customer'"'"'s request to activate any additional use features.
5 Assignments
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 EXPRESS®, 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.
787 Citations
16 Claims
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1. A method of using a computer system for a real-time customer activation of a multi-feature card having a primary feature and at least one secondary feature, the primary feature functioning as a stored value card feature and the at least one secondary feature functioning as a credit card feature, wherein the system automatically processes a customer'"'"'s activation of the card, said system including a data entry processing center, a workstation, a graphical user interface, and a data storing means;
- comprising the steps of;
a) offering to the customer a first activation of the multi-feature card as a primary transaction card having the primary feature; b) receiving the customer'"'"'s request into said system to activate the primary feature of the primary transaction card; c) employing at least one safety feature during the first activation request to determine whether the customer is the person whose name is printed on the primary transaction card; and d) offering the customer an option of activating the primary transaction card by; 1) confirming the customer'"'"'s desire to activate the primary feature; 2) activating the primary feature, if the consumer confirms the first activation; 3) terminating the first activation request; 4) allowing the consumer to use the multi-feature card as a primary transaction card having only the primary feature; e) offering to the customer a subsequent activation of the multi-feature card that determines the customer'"'"'s election to add the at least one secondary feature onto the primary transaction card; and f) determining the customer'"'"'s request to activate any additional use features. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
- comprising the steps of;
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16. A method of using a computer system for a real-time customer activation of a multi-feature card having a primary feature and at least one secondary feature, the primary feature functioning as a stored value card feature and the at least one secondary feature functioning as a credit card feature, wherein the system automatically processes a customer'"'"'s activation of the card, said system including a data entry processing center, a workstation, a graphical user interface, and a data storing means;
- comprising the steps of;
a) offering to the customer a first activation of the multi-feature card as a primary transaction card having the primary feature; b) receiving the customer'"'"'s request into said system to activate the primary feature of the primary transaction card; c) employing at least one safety feature during the activation request to determine whether the customer is the person whose name is printed on the primary transaction card; and d) offering the customer the options of activating the primary transaction card by; 1) confirming the customer'"'"'s desire to activate the primary feature; 2) activating the primary feature, if the consumer confirms the first activation; 3) terminating the first activation request; 4) allowing the consumer to use the multi-feature card as a primary transaction card having only the primary feature; and e) offering to the customer a subsequent activation of the multi-feature card that determines the customer'"'"'s election to add the at least one secondary feature onto the primary transaction card.
- comprising the steps of;
Specification