Cards deployed with inactivated products for activation

• US 8,393,545 B1
• Filed: 06/22/2010
• Issued: 03/12/2013
• Est. Priority Date: 06/23/2009
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Yen, Philip W., Rigatti, Christopher J.
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): MARSHALL, CHRISTLE I
• Application Number:
  US12/820,376
• Time in Patent Office: 994 Days
• Field of Search: 235/487
• US Class Current: 235/487
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07F 7/0833 Card having specific functional components

Abstract

A payment card is provided with a display. A card may be provided to a user with a number of inactivated products. The products may be assigned to the user at card issuance. A user may then activate these products online or via phone. Accordingly, a user may be provided with a cross-selling platform for new products. Discounts, fee waivers, and/or value may be added to an account when an inactivated product is activated.

Claims

1. A payment card comprising:

a battery; and

an array of manual input interfaces, wherein an inactivated product is associated with a first one of said manual input interfaces, an activation incentive is provided for said inactivated product, and a code is received by said card to activate said inactivated product, wherein the activation incentive is a monetary value.

2. The payment card of claim 1, wherein a payment card number is associated with said activated product and said payment card number is changed on the card.

3. The payment card of claim 1, wherein a first payment card number is associated with said activated product, said payment card number is deactivated due to fraud, and a second payment card number is stored on memory and associated with said activated product.

4. The payment card of claim 1, wherein said inactivated product is a pre-stored inactivated product.

5. The payment card of claim 1, wherein said inactivated product is a pre-stored inactivated product not requested by a user.

6. The payment card of claim 1, further comprising:

wherein said inactivated product is a pre-stored inactivated product, and

information associated with said inactivated product is printed on a face of the card.

7. The payment card of claim 1, wherein said inactivated product is a pre-stored inactivated product, and

and information associated with said inactivated product is displayed on a virtual card.

8. The payment card of claim 1, further comprising:

a dynamic magnetic stripe communications device.

9. The payment card of claim 1, further comprising:

a radio frequency identifications (RFID).

10. The payment card of claim 1, further comprising:

an integrated circuit (IC) chip.

11. The payment card of claim 1, further comprising:

a dynamic magnetic stripe communications device; and

an integrated circuit (IC) chip.

12. The payment card of claim 1, further comprising:

a dynamic magnetic stripe communications device; and

a radio frequency identifications (RFID).

13. The payment card of claim 1, further comprising:

a dynamic magnetic stripe communications device;

an integrated circuit (IC) chip; and

a radio frequency identifications (RFID).

14. The payment card of claim 1, further comprising:

an ink-receivable area.

15. The payment card of claim 1, further comprising a display.

16. A method, comprising:

storing an activated product on a payment card including at least one manual input interface;

storing an inactivated product on the payment card; and

shipping the card with the activated product and the inactivated product to a user.

17. The method of claim 16, further comprising:

associating the inactivated product to the manual input interface.

18. The method of claim 16, further comprising:

determining the inactivated product based on preferences of the user.

19. The method of claim 16, wherein the inactivated product is a plurality of inactivated products.

20. The method of claim 16, further comprising:

changing, by a remote server, inactivated products available to a user after the shipping of the card.