Patent Application
20090159691
Transaction cards come in many forms. A gift card, for example, is a type of stored-value card that includes a pre-loaded or selectively loaded monetary value. In one example, a consumer buys a gift card having a specified value for presentation as a gift to another person. In another example, a consumer is offered a gift card as an incentive to make a purchase. A gift card, like other stored-value cards, can be “recharged” or “reloaded” at the direction of the bearer. The balance associated with the gift card declines as the gift card is used, encouraging repeat visits to the retailer or other provider issuing the gift card. Additionally, the gift card generally remains in the user's purse or wallet, serving as an advertisement or reminder to revisit the associated retailer. Gift cards and other transaction cards provide a number of advantages to both the consumer and the retailer.
One aspect of the present invention relates to a transaction card including a single layer substrate and an account identifier. The single layer substrate is formed of a transparent polymer resin mixed with a fluorescent dye such that the single layer substrate exhibits an edge-glow characteristic. The single layer substrate is one of transparent and translucent. The account identifier is connected to the single layer substrate and links the transaction card to at least one of an account and a record. The account identifier is machine readable by a point-of-sale terminal. Methods of providing a stored-value card and other embodiments of stored-value or financial transaction cards and associated assemblies are also disclosed.
Embodiments of the invention will be described with respect to the figures, in which like reference numerals denote like elements, and in which:
The following detailed description merely provides examples of the invention and is not intended to limit the invention or the application and uses of the invention. Furthermore, there is no intention to be bound by any theory presented in the preceding background of the invention or the following detailed description of the invention.
A gift card or other transaction card is adapted for making purchases of goods and/or services from, e.g., a retail store or website. According to one embodiment, an original consumer buys the transaction card to give a recipient who in turn is able to use the transaction card at a retail store or setting to pay for goods and/or services. The transaction card, according to embodiments of the present invention, provides the consumer and recipient with extra functionality in addition to the ability to pay for goods and/or services with the transaction card.
Transaction cards according to embodiments of the present invention are formed of a fluorescently dyed material configured to have an edge-glow effect. In one embodiment, the edge-glow effect of the transaction card is enhanced by printing on the fluorescently dyed material near or at edges thereof. In one embodiment, a transparent laminate is applied to the fluorescently dyed material over the printing to create uniform and substantially planar appearance to a front surface of the fluorescently dyed material. Additional printing may be applied to the laminate opposite the fluorescently dyed material, such as raised, glitter, pearlized and/or other printing, which further contributes to the pleasing appearance of the transaction card. In one example, a bar code or other identifier linking the transaction card to an associated record or account is printed or otherwise applied to a surface of the fluorescently dyed material opposite the laminate.
Turning to the figures,
Account identifier 14 indicates a financial or other stored-value account or record to which transaction card 10 is linked. The account or record of the monetary value, points, minutes, or other balance associated with transaction card 10 optionally is maintained on a database, other electronic or manual record-keeping system, or, in the case of “smart” cards for example, on a chip or other electronic device on/in transaction card 10 itself. Accordingly, by scanning account identifier 14, the account or record linked to transaction card 10 is identified and can subsequently be activated, have amounts debited therefrom, and/or have amounts credited thereto.
In one embodiment, account identifier 14 includes a character string or code 16 (e.g., a number and/or letter string) configured to provide additional security to the user of transaction card 10 and/or configured to be read by a bearer of transaction card 10 to facilitate use of transaction card 10 for web site or other purchases outside of brick-and-mortar type retail establishments. With the above in mind, account identifier 14 is one example of means for linking transaction card 10 with an account or record, and scanning of account identifier 14 is one example of means for activating or loading value on transaction card 10.
Additionally referring to
More specifically, in one embodiment, substrate 12 is one of translucent and transparent. For example, substrate 12 may be formed of any suitable material such as plastic. In one example, substrate 12 is formed of single layer sheet stock manufactured using a transparent or substantially clear polymer resin (e.g., a polymer resin of one of polycarbonate, polyester (PET), polystyrene, polyvinyl chloride (PVC), acrylic, acrylonitrile butadiene styrene (ABS) and polybutylene terephalate (PBT)) mixed with a fluorescent dye, more specifically, a pure fluorescent dye. The dyed resin is subsequently extruded to form a substantially planar sheet. Use of the transparent or substantially clear polymer resin with the pure fluorescent dye forms substrate 12 in a manner exhibiting an edge-glow effect or characteristic. In particular, the fluorescent dye or colorant absorbs ultraviolet light and re-emits energy from the ultraviolet light in a form having longer wavelengths. As such, the absorbed ultraviolet light reflects off the internal surfaces of substrate 12, which can be viewed primarily through an outside edge 32 of substrate 12, to create an edge-glow characteristic. Fluorescent dye may be of any suitable color such as pink, red, orange, yellow, blue, green, etc. as will be apparent to those of skill in the art upon reading the present application.
In one example, front surface 20 of substrate 12 is treated to make front surface 20 more amenable to receiving adhesive or for subsequent application of indicia and/or additional treatment. For example, front surface 20 receives a corona discharge treatment to alter the adhesive and/or other binding properties of front surface 20, which is applied in a substantially uniform manner to prevent or at least decrease bubbling, buckling and/or other binding defects of indicia and/or any laminate subsequently applied to front surface 20 as will be further described below. In particular, as used herein, the corona discharge treatment relates to processing of a surface of substrate 12 subjected to treatment adjacent to the surface of an electrical conductor at high voltage. Corona discharge treatment, more specifically, includes applying high voltage, which may be either direct or alternating current, between a pair of electrodes in a gas atmosphere with a pressure of about 150 mg Hg to about 3 atmospheres. Other treatments such as a corona silk screen treatment may alternatively or additionally be applied to front surface 20. In one embodiment, rear surface 22 is treated similarly to front surface 20 (e.g., is corona treated) as described above.
Additionally referring to
Referring to
In one embodiment, redemption information 44 indicate that transaction card 10 is redeemable for the purchase of goods and/or services and that, upon use, a value of the purchased goods and/or services will be deducted from the account or record linked to transaction card 10. In one embodiment, redemption information 44 include phrases such as “<NAME OF STORE>GiftCard” and “This GiftCard is redeemable for merchandise or services at any of our stores or at our web site,” and/or provides help (e.g., account balance information) or phone line information in the case of a lost, stolen, or damaged transaction card.
In one example, where account identifier 14 includes a bar code, number or other printable component, account identifier 14 is printed over masked area 40. Where account identifier 14 is a bar code, applying the bar code to masked area 40 facilitates machine reading of the bar code by providing a substantially opaque background rather than transparent or translucent background, which would otherwise be presented by substrate 12, for account identifier 14. In particular, masked area 40 substantially blocks light from a machine, which is directed toward and used to read the bar code, rather than allowing the light to pass therethrough (e.g., as with transparent and translucent portions of substrate 12), to facilitate more accurate and reliable machine reading of the bar code. In one example, masked area 40 extends beyond an outer periphery of account identifier 14.
Referring to
In one embodiment, application of laminate 46 to substrate 12 forms a composite card structure, which substantially appears to a casual observer of transaction card 10 as single material despite formation of transaction card 10 with both substrate 12 and laminate 46. As such, edge indicia 30 and any other indicia applied to front surface 20 of substrate 12 prior application of laminate 46 thereto are included in an interior portion of the composite card structure (i.e., between front surface 20 of substrate 12 and internal surface 48 of laminate 46) and, therefore, appear to be integrally formed within the structure of transaction card 10. In one embodiment, only printed indicia (e.g., indicia 30 and 34) and no planar objects are included between front surface 20 of substrate 12 and laminate 46. In view of the above, laminate 46 is one example of means for creating or providing a substantially planar external surface to transaction card 10.
Additionally referring to
Additional indicia 60 include any item (e.g., graphics or text) depicting or relating to, for example, any one or more of a holiday, a season, an occasion, a media format (e.g., characters, logos, scenes or other illustrations or photographs related to a movie, a television show, a book and/or a video game), etc. In one embodiment, additional indicia 60 are formed on substrate 12 in a solid printing process as opposed to a dot format process. In one example, raised and/or flat additional indicia 60 are applied using a silk screen process. Other indicia or additional features may also be included on transaction card 10 as will be apparent to those of skill in the art upon reading this application.
One embodiment of a method of forming a transaction card assembly 152 (
More specifically, in one embodiment, preparing rear surface 22 at 106 includes treating rear surface 22 at 110 to promote adhesion and binding of printed and/or other matter to rear surface 22. For example, rear surface 22 may be corona treated (e.g., with corona discharge or silk screen processes) such that rear surface 22 is more receptive to receipt of printing and/or other matter. In one embodiment, rear surface 22 is configured to suitably receive printing and/or other matter without treatment such that operation 110 may be eliminated from method 100.
In one embodiment, at 112, masked area 40 (
In one embodiment, preparing front surface 20 at 108 includes treating front surface 20 at 120 to promote adhesion and binding of printed and/or other matter to front surface 20. For example, front surface 20 may be corona treated (e.g., with corona discharge or silk screen processes) such that front surface 20 is more receptive to receipt of printing and/or other matter. In one example, rear surface 22 is treated at 110 and front surface 20 is treated at 120 substantially simultaneously or sequentially in a single treatment process. In one embodiment, front surface 20 is configured to suitably receive printing and/or other matter without treatment such that operation 120 may be eliminated from method 100.
At 122, edge indicia 30, brand indicia 34 and/or any other desired indicia are printed or otherwise applied to front surface 20. For example, edge indicia 30 are printed to extend from at least a portion of edge 32 of substrate 12 toward an interior of substrate 12 of transaction card 10. In one embodiment, indicia are printed to front surface 20 using substantially flat or non-raised inks so as not to substantially alter the planar nature of front surface 20. Following operation 122, then, at 124, laminate 46 is laminated over or otherwise applied to extend over a substantial entirety of front surface 20 and any printed or other items (e.g., indicia 34 and 36) applied thereto. In one example, laminate 46 is relatively thin and is evenly and continuously applied over front surface 20, for instance, using a compression laminator. Once applied to substrate 12, laminate 46 defines a substantially planar external surface 50 opposite substrate 12, such that indicia 24 and 36 are formed on internal surfaces of transaction card 10 that are not generally accessible from an external surface of transaction card 10. In one embodiment, external surface 50 of laminate 46 is an external surface of transaction card 10 considered as a whole. In one example, laminate 46 is sufficiently thin such that laminate 46 is not readily discernable by a casual viewer of transaction card 10, but rather substrate 12 and laminate 46 generally appear as a member formed of a single material.
Following lamination at 124, then at 126 additional indicia 60 are printed to external surface 50 of laminate 46. In one example, printing additional indicia 60 includes moving transaction card 10 through a plurality of printing passes to print various forms, colors or types of additional indicia 60. More specifically, in one embodiment, operation 126 includes a first printing pass to add flat printed matter 128 (e.g., illustrated in
At 140, the laminate and printed plastic sheet is cut into a desired shape to form an individual substrate 12 for each transaction card 10. For example, substrate 12 with laminate 46 may be punched, guillotine cut or otherwise sheared to define outside edge 32 of substrate and a corresponding edge 142 (
At 144, if account identifier 14 has not been previously added to transaction card 10 at or before any of the prior operations, then account identifier 14 is added to transaction card 10 in any suitable manner. For example, where account identifier 14 is a bar code, account identifier 14 is printed in a drop-on-demand process such that a different account identifier 14 is applied to each of the different transaction cards 10, for instance, to masked area 40 thereof. In one embodiment, adding account identifier 14 to transaction card 10 includes adding a magnetic stripe, RFID device or other form of account identifier 14 to transaction card 10, for example, to substrate 12.
Following manufacture of transaction card 10 at 102, then at 146, transaction card 10 is coupled with a carrier or backer 150 configured to support transaction card 10 for display and/or sale to potential consumers. For example,
For example, indicia 160 include “to,” “from,” “amount,” and “message” fields. The fields of indicia 160 provide areas of backer 150 configured to be written to by a consumer to personalize backer 150 for presentation as a gift to a particular recipient, for a particular purpose, and/or to indicate a value of transaction card 10. In one embodiment, transaction card 10 includes brand indicia 162, which identify a store, brand, department, etc. and/or services associated with transaction card 10.
Referring to
Any of indicia 30, 34, 60, 160, 162, 164 or other indicia optionally may appear anywhere on backer 150 or transaction card 10. Additional information besides that specifically described and illustrated herein may also be included and/or one or more of indicia 30, 34, 60, 160, 162, and 164 may be eliminated.
In one embodiment, backer 150 includes a window or opening 170 for displaying account identifier 14 of transaction card 10 therethrough as illustrated in
In one embodiment, backer 150 is a bi-fold substrate defining a fold line 172, about which backer 150 is foldable roughly in half. In
After purchase, backer 150 is foldable about fold line 172 such that portions of front surface 154 (
In one embodiment, a cut 174 is formed through backer 150 near an edge of backer 150 that is spaced from and substantially parallel to fold line 172. Cut 174 extends partially toward fold line 172 with an arcuate or other suitable shape and defines a flap 176, which can be partially bent away from the remainder of backer 150. More specifically, upon folding backer 150 about fold line 172 to close backer 150 around transaction card 10, an opposing edge of backer 150 is tucked beneath flap 176 to maintain backer 150 in a folded or closed position. In one embodiment, cut 174 and thereby flap 176 are each substantially semi-circular in shape. Other backers similar to backer 150 can be used having various sizes and shapes for supporting transaction card 10.
At 204, a consumer who has decided to purchase transaction card 10 presents transaction card 10, for example, as part of transaction card assembly 152, to a retail store employee, retail store kiosk, remote terminal or other person or device to scan account identifier 14 to access an account or record linked to account identifier 14. In particular, account identifier 14 is scanned or otherwise accessed, for example, through opening 170 of backer 150, to activate transaction card 10. At 206, value is added to the account or record in the form of monetary value, points, minutes, etc. Thus, transaction card 10 is activated and loaded.
In one example, a predetermined value is associated with transaction card 10 (i.e., associated with the account or record linked to transaction card 10 via account identifier 14) prior to activation and display, but such predetermined value is not initially available for use toward the purchase or use of goods and/or services. In such an embodiment, at 204, transaction card 10 is activated to permit subsequent access to the predetermined value (e.g., subsequent loading on and debiting from the account or record) and no additional value is added during activation such that operation 206 may be eliminated.
Once transaction card 10 is activated and loaded, transaction card 10 can be used by the consumer or any other bearer of transaction card 10 to purchase goods and/or services at the affiliated retail setting (e.g., a retail store or web site) or can be used in exchange for calling minutes, etc. In one embodiment, where transaction card 10 is displayed on a web site at 202, then, at 204, transaction card 10 may be activated in any suitable method and may not require the physical scanning of account identifier 14 to be activated or to otherwise access the associated account or record such as at 320.
In one example, at 208, the retail store or other affiliated retail setting or web site accepts transaction card 10 as payment toward the purchase of goods and/or services made by the current bearer of transaction card 10. In particular, the value currently loaded on transaction card 10 (i.e., stored or recorded in the account or record linked to account identifier 14) is applied toward the purchase of goods and/or services. At 210, additional value is optionally loaded on transaction card 10 at a point-of-sale terminal, kiosk or other area of the retail store, retail web site or other related setting. Upon accepting transaction card 10 as payment at 208, the retail store or related setting can subsequently perform either operation 208 again or operation 210 as requested by a current bearer of transaction card 10. Similarly, upon loading additional value on transaction card 10 at 210, the retail store or related setting can subsequently perform either operation 210 again or operation 208. In one example, the ability to accept transaction card 10 as payment for goods and/or services is limited by whether the account or record associated with transaction card 10 has any value stored or recorded therein at the time of attempted redemption.
At 234, the consumer optionally gives transaction card 10 to a recipient, such as a graduate, relative, friend, expectant parents, one having a recent or impending birthday, a couple having a recent or impending anniversary, etc. In one embodiment, a plurality of transaction cards 10 are purchased and given to party goers, such as at a birthday party, etc. as party favors or gifts. As an alternative, the consumer can keep transaction card 10 for his or her own use thereby eliminating operation 234.
At 236, the consumer or recipient redeems transaction card 10 for goods and/or services from the retail store or web site. At 238, the consumer or recipient of transaction card 10 optionally adds value to transaction card 10, more particularly, to the account or record associated with account identifier 14 included therewith, at the retail store or over the Internet (i.e., via the web site). Upon redeeming transaction card 10 at 236 or adding value to transaction card 10 at 238, the consumer or recipient of transaction card 10 subsequently can perform either of operations 236 or 238 as desired. In one embodiment, the ability of the consumer or recipient to repeat redeeming transaction card 10 at 236 is limited by whether the account or record linked with transaction card 10 has any remaining value stored or recorded therein at the time of attempted redemption.
Although primarily described above as occurring at a single retail store or web site, in one embodiment, purchasing transaction card 10 at 232, redeeming transaction card 10 at 236 and adding value to transaction card 10 at 238, can each be performed at any one of a number of stores adapted to accept transaction card 10 or over the Internet. In one example, a number of stores are each part of a chain or are similarly branded stores. In one example, a number of stores include at least one web site and/or at least one conventional brick and mortar store.
Transaction cards and other transaction products come in many forms, according to embodiments of the invention. The gift card, like other transaction products, can be “re-charged” or “re-loaded” at the direction of the original consumer, the gift recipient or a third party. The term “loading on” or “loaded on” herein should be interpreted to include adding to the balance of an account or record associated with a transaction product. The balance associated with the transaction product declines as the transaction product is used, encouraging repeat visits or use. The transaction product remains in the user's purse or wallet, serving as an advertisement or a reminder to revisit the associated merchant. Gift cards according to embodiments of the invention provide a number of advantages to both the consumer and the merchant. Other gift cards and transaction products according to embodiments of the invention include loyalty cards, merchandise return cards, electronic gift certificates, calling cards, employee cards, frequency cards, prepaid cards and other types of cards associated with or representing purchasing power, monetary value, etc.
Although the invention has been described with respect to particular embodiments, such embodiments are for illustrative purposes only and should not be considered to limit the invention. Various alternatives and other modifications within the scope of the invention in its various embodiments will be apparent to those of ordinary skill in the art upon reading this application.
