Patent Application
20090112761
Stored-value cards and other transaction products come in many forms. A gift card, for example, is a type of stored-value card that includes pre-loaded or selectively loaded monetary value. In one example, a customer buys a gift card having a specified value for presentation as a gift for another person. In another example, a customer 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 card declines as the card is used, encouraging repeat visits to the retailer or other provider issuing the card. Additionally, the card generally remains in the user's purse or wallet, serving as an advertisement or reminder to revisit the associated retailer. Transaction products provide a number of advantages to both the consumer and the retailer.
One aspect of the present invention relates to a transaction product including a memory, a housing, an electrical connector and an account identifier. The housing encloses the memory. The electrical connector is securely electrically coupled with the memory and is configured to be selectively received by a socket of a computing device such that the computing device can access the memory via the electrical connector. The account identifier links the transaction product to an account or record, the account identifier being machine readable by a point-of-sale terminal such that value can be added to or deducted from the account or record using the account identifier. Other related products, assemblies and methods are also disclosed and provide additional advantages.
Embodiments of the invention will be described with respect to the figures, in which like reference numerals denote like elements, and in which:
A flash drive gift card and other transaction products are adapted for making purchases of goods and/or services at, for example, a retail store or website and/or for storing non-monetary value adapted for redemption toward the use of goods and/or services (e.g., a phone card). According to one embodiment, an original consumer buys a flash drive gift card to give a recipient who in turn is able to use the flash drive gift card at a retail store or setting to pay for the goods and/or services.
A flash drive gift card, according to embodiments of the present invention, provides the consumer and recipient with a data storage function in addition to the ability to pay for or use goods and/or services with the transaction product. In particular, in one embodiment, the flash drive gift card includes a flash drive or other solid state memory and any suitable connector (e.g., such as a universal serial bus (USB) connector) configured to be readily and selectively coupled with a personal computer or other suitable computing device. Once coupled with the flash drive gift card, the computing device can access the memory of the flash drive gift card and read data from and/or write data to the memory of the flash drive gift card. As such, transaction products (e.g., the flash drive gift card and other stored-value cards) according to embodiments of the present invention function as a portable memory device in addition to providing value available toward the purchase or use of goods and/or services.
Turning to the figures,
In one embodiment, transaction product 10 includes an enclosure or housing 14 and an electrical connector 16 configured move from a first position at least partially embedded in housing 14 (
Additionally referring to the block diagram of
Electrical connector 16 is securely and electrically coupled with controller 20. In one embodiment, electrical connector 16 is permanently coupled with controller 20. Controller 20 is configured to communicate with computing device 12 via electrical connector 16 and to perform tasks at the direction of computing device 12. In one embodiment, controller 20 is additionally or alternatively powered by computing device 12 via power received from computing device 12 via electrical connector 16. Controller 20 is also coupled to and in electrical communication with memory 22. As such, controller 20 is configured to read data to and/or write data from memory 22 at the direction of computing device 12. In one embodiment, a communication link 36 such as cable(s) and/or wire(s) extends at least partially between controller 20 and electrical connector 16 to facilitate electrical connection and communication therebetween. In one example, a first portion of communication link 36 is enclosed within housing 14, and a second portion 38 of communication link 36 extends outside of housing 14 and interfaces with electrical connector 16.
Memory 22 is any suitable memory such as read-only memory (ROM) (e.g., programmable ROM (PROM), erasable PROM (EPROM) and electrically EPROM (EEPROM)) and read-write memory (RAM) (e.g., static RAM (SRAM) and dynamic RAM (DRAM). In one example, memory 22 is a solid state memory such as Flash memory or EEPROM, wherein memory 22 in the solid state form is generally characterized by the absence of moving or otherwise mechanical parts. Memory 22 can be configured to store any suitable amount of data depending upon the desired use and desired cost point of transaction product 10. In one embodiment, memory 22 is configured to store at least 64 Mb of data. In one example, memory 22 is pre-recorded with any suitable data 28 and/or includes available memory space for the bearer of transaction product 10 to record other data content thereto. In view of the above, memory 22 is one example of means for storing data.
In one embodiment, housing 14 encloses controller 20 and memory 22 therein. Housing 14 may be formed in any suitable construction such as single piece or multiple piece construction. In one example, housing 14 is generally planar and is sized similar to a credit card or other wallet-sized card. In other embodiments, housing 14 is otherwise shaped as a square, circle, oval, star or any other suitable shape. For example, in the embodiment illustrated in
In one example, housing defines an aperture 66, for example, along a side thereof through which a light 68 is viewable. Light 68 is any suitable light sources such as a light emitting diode (LED) and is configured to be illuminated whenever memory 22 is being accessed by a corresponding computing device 12. As such, the bearer of transaction product 10 is alerted that memory 22 is in use and transaction product 10 generally should not be uncoupled from computing device 12 while memory 22 is in use, that is, while light 68 is illuminated.
In one embodiment, base 24 and cover 26 are separately formed in any suitable manner and are coupled to one another using one or more of a friction fit coupling, adhesive, coupling members (not shown) or other suitable means for coupling base 24 to cover 26. In one example, each of base 24 and cover 26 are formed of by injection molding or otherwise forming plastic (e.g., polycarbonate, polystyrene, polyvinyl chloride (PVC), acrylonitrile butadiene styrene (ABS), polyethylene terephthalate (PET), teslin, polyactide (PLA) and acrylic) or other suitable material to define the various attributes of housing 14.
In one example, housing 14, for instance, cover 26 as illustrated in
In view of the above, in one embodiment, electrical connector 16 and second portion 38 of communication link 36 are configured to be selectively received within pocket 30 of housing 14 during periods of non-use for storage. More specifically, electrical connector 16 is configured to be selectively maintained within pocket 30 via one or more of friction fit, snap fit or other suitable interface. As such, in one instance, pocket 30, or at least a first portion 40 thereof, is sized similarly to, but slightly larger than, electrical connector 16. In one embodiment, a second portion 42 of pocket 30 is sized similarly to, but slight larger than, second portion 38 of communication link 36 and is positioned adjacent first portion 40.
In one example, a hole or opening 44 is defined by housing 14 adjacent an end of second portion 42 of pocket 30 opposite first portion 40 such that communication link 36 extends out of housing 14 via opening 44. The pliable nature of communication link 36 allows communication link 36 to be rotated about opening 44 to extend further away from housing 14 during periods of use (e.g.,
When a user desires to access data previously stored to and/or to store new data to memory 22, electrical connector 16 is released from pocket 30 allowing electrical connector 16 and second portion 42 of communication link 36 to be moved away from housing 14 as illustrated in
Upon release of electrical connector 16 from pocket 30, electrical connector 16 and second portion 42 of communication link 36 can be manipulated or otherwise moved relative to the remainder of housing 14. For example, as illustrated with respect to
In one example, housing 14 includes text and/or other graphics on first major surface 32 thereof and/or on a second major surface 50 positioned opposite first major surface 32. For example, housing 14 includes one or more of brand indicia 54, redemption indicia, which is generally indicated by a dashed box at 56 in
Brand indicia 54 identify a brand associated with transaction product 10 such as identifying a product brand, a store brand or other indicia readily associated with a product or store etc. In one embodiment, brand indicia 54 are included on one or both of first major surface 32 and second major surface 50.
In one embodiment, housing 14 includes redemption indicia 56, which, in one example, are included on second major surface 50. Redemption indicia 56 indicate that transaction product 10 is redeemable for the purchase of goods and/or services and that, upon use, a value of the goods and/or services will be deducted from the account or record linked to transaction product 10. In one embodiment, redemption indicia 56 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 or phone line information in case of a lost, stolen or damaged transaction product, etc.
In one embodiment, decorative indicia 58 are included on one or both of first major surface 32 and second major surface 50. Decorative indicia 58 may include any suitable text or other graphics configured to increase the aesthetic appeal of transaction product 10 and/or to otherwise promote the sale of transaction product 10. In one embodiment, decorative indicia 58 include media product identifiers such as characters, scenery, titles, etc. relating to a media product such as a movie, book, television show, periodical, etc. In one example where decorative indicia 58 include media product identifiers, memory 22 includes data 28 stored thereto prior to offering transaction product 10 for sale wherein data 28 include one or more of a game, music, a video clip, a web site link, an associated product listing, etc. relating to the media product associated with the media product identifiers. As such, decorative indicia 58 not only promote sale of transaction product 10, but also promote the media product as well as the type of data 28 prerecorded to memory 22 of transaction product 10, if any. In view of the above, decorative indicia 58 are one example of means for visually associating transaction product 10 with a media product.
Referring to the rear view of
In one embodiment, account identifier 60 includes one or more of a bar code, magnetic strip, smart chip or other electronic device, radio frequency identification (RFID) device or other suitable marking readily readable by a point-of-sale terminal, account access station, kiosk or other suitable machine or device. In one embodiment, account identifier 60 includes a printed character string or code 62 (e.g., a number and or letter string) configured to provide additional security to the use of transaction product 10 and/or configured to be read by a bearer of transaction product 10 to facilitate use of transaction product 10 for web site or other purchases outside of a brick-and-mortar type retail establishments. With the above in mind, account identifier 60 is one example of means for linking transaction product 10 with an account or record, and scanning of account identifier 60 is one example of means for activating or loading value on transaction product 10.
Backer 80 displays indicia, graphics or text information including store logo(s), store name(s), slogans, advertising, instructions, directions, brand indicia, promotional information, holiday indicia, seasonal indicia, media format identifiers, characters and/or other information. The various indicia may be included on one or more of front and rear surfaces 82 and 84. In one example, the indicia include one or more of redemption indicia generally indicated with a dashed box at 90, instructional indicia generally indicated with a dashed box at 92, message field indicia 94, brand indicia 96, decorative indicia 98, etc.
Redemption indicia 90 indicate that transaction product 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 financial account or record linked to transaction product 10. In one embodiment, redemption indicia 90 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 website,” and/or provides help or phone line information in case of a lost, stolen or damaged transaction product 10, etc.
Instructional indicia 92 include any indicia generally referring to how transaction product 10 can be used for purposes other than value redemption. For example, indicia 92 may instruct the bearer on how to coupled transaction product 10 with a corresponding computing device 12, how to access data stored to memory 22 of transaction product 10, how to store data to memory 22 of transaction product 10, etc. Other instructional indicia 92 are also contemplated.
In one example, message field indicia 94 include “to,” “from” and “amount” fields configured to be written to by the bearer of transaction product assembly 86 prior to presenting transaction product assembly 86 to a recipient. As such, message field indicia 94 facilitate the consumer in preparing transaction product assembly 86 for gifting to a recipient.
Brand indicia 96 identify a store, brand, department, etc. and/or services associated with transaction product 10. Any decorative indicia 98, which may be similar to or coordinate with indicia of transaction product 10, may also be included on backer 80. In one embodiment, decorative indicia 98 coordinate or otherwise promote a media product associated with transaction product 10. For example, decorative indicia 98 may include a name of the media product, a depiction of a character from the media product, a depiction of a scene readily identifiable as a scent from the media product, a quote from the media product, etc.
Any of indicia 90, 92, 94, 96, 98 or other indicia optionally may appear anywhere on backer 80 or transaction product 10. Additional information besides that specifically described and illustrated herein may also be included.
In one embodiment, backer 80 defines a window or opening 100 for displaying account identifier 60 of transaction product 10 as illustrated in
In one embodiment, backer 80 defines a hanging aperture 102 configured to receive a support arm or hook, such that transaction product assembly 86 can be hung from a rail or rack within the retail setting or elsewhere to facilitate display of transaction product assembly 86. According to one embodiment,
Subsequently, at 116, base 24 is coupled with cover 26. More specifically, cover 26 is positioned over base 24 such that major surfaces 32 and 50 are substantially parallel to one another. As cover 26 is moved toward base 24 (or vice versa), communication link 36 is moved through opening 44 of cover 26 to extend through cover 26. In one embodiment, where opening 44 is relatively small, communication link 36 is positioned to extend through opening 44 and electrical connector 16 is subsequently coupled with communication link 36 opposite controller 20. Cover 26 is further moved to contact base 24 and be coupled thereto. In coupling base 24 to cover 26, adhesive, attachment devices, etc. may be used to increase the integrity of the coupling.
At 118, account identifier 60 is added to transaction product 10 in cases where account identifier 60 was not otherwise formed or added to base 24 and/or cover 26 at a previous step or enclosed between base 24 and cover 26 during coupling at 116. For example, at 118, account identifier 60 may be printed or otherwise applied to one or both of major surface 32 and major surface 50 after coupling base 24 to cover 26 at 116.
At 120, the assembled transaction product 10 is coupled with backer 80 to form transaction product assembly 86 (
At 134, a consumer, who has decided to purchase transaction product 10, presents transaction product assembly 86, or at least transaction product 10, to a retail store employee, retail store kiosk or other person or device to scan or otherwise read account identifier 60 of transaction product 10 (e.g., through opening 100 in backer 80) to access the account or record linked to account identifier 60. Upon accessing the account or record, value is added to the account or record at 136. Thus, transaction product 10 is activated and loaded. In one embodiment, wherein a value is associated with transaction product 10 prior to purchase and activation of transaction product 10, operation 136 may be eliminated and activating transaction product 10 at 134 serves to unlock the account or record or otherwise make the predetermined value in the account or record available to a bearer of transaction product 10.
Once transaction product 10 is activated and/or loaded, transaction product 10 can be used by the consumer or any other bearer of transaction product 10 toward the purchase or use of goods and/or services at the retail store or other affiliated retail setting or web site. In one embodiment, where transaction product 10 is displayed on a web site at 132, then, at 134, transaction product 10 may be activated in any suitable method and may be completed without machine scanning of account identifier 60. In one embodiment, transaction product 10 is activated and/or loaded remotely via a telephone or the Internet.
At 138, the retail store or other affiliated retail setting, web site, etc. accepts transaction product 10 as payment toward the purchase or use of goods and/or services made by the current bearer of transaction product 10. More specifically, in one embodiment, the value currently loaded on transaction product 10 is applied toward the purchase of goods and/or services, toward the use of calling minutes, etc. At 140, additional value is optionally loaded on transaction product 10 at a point-of-sale terminal, kiosk, other area of the retail store or related setting or via a web site or by telephone. Upon accepting transaction product 10 as payment at 138, the retail store or related setting can subsequently perform either operation 138 again or operation 140 as requested by a current bearer of transaction product 10. Similarly, upon loading additional value to transaction product 10 at 140, the retail store or related setting can subsequently perform either operation 140 again or operation 138. In one example, the ability to accept transaction product 10 as payment for or toward use of goods and/or services is limited by whether the account or record associated with transaction product 10 has any value at the time of attempted redemption.
At 164, the consumer optionally gives transaction product 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 products 10 are purchased and given to party goers, such as at a birthday party, bridal shower, etc. as party favors or gifts. As an alternative, the consumer can keep transaction product 10 for his or her own use thereby eliminating operation 164.
At 166, the consumer or recipient, whoever is in current ownership or otherwise is the current bearer of transaction product 10, uses transaction product 10 for reasons unrelated to its stored-value or transactional functionality. More specifically, the bearer uses transaction product 10 to access electronic data stored to memory 22 and/or to store new data to memory 22. More specifically, additionally referring to
Once coupled with computing device 12, the bearer uses computing device 12 to access data previously stored to memory 22 and/or to store new data to memory 22 of transaction product 10. In one embodiment, when computing device 12 accesses memory 22, light 68 of transaction product 10 is illuminated to inform the bearer that memory 22 is being accessed. Once a bearer is finished accessing memory 22, at least for the time being, transaction product 10 is uncoupled from computing device 12 (i.e., electrical connector 16 is removed from socket 18) until a later time and/or subsequent coupling with the same or a different computing device 12.
In one example, where memory 22 includes pre-stored data relating to the media product associated with transaction product 10, when the bearer accesses memory 22, the bearer is able to listen to music, view media clips, play interactive games, use web links, review listings of associated products, etc. stored to memory 22 that promote the media product. As such, transaction product 10 also serves as a promotion vehicle promoting the media product, any pre-stored data 28 and/or any products or services associated therewith.
At 168, the current bearer of transaction product 10 redeems transaction product 10 for goods and/or services from the retail store or web site. Operation 168 may occur before, after or before and after operation 166. At 170, the current bearer of transaction product 10 optionally adds value to transaction product 10 or, more particularly, to the account or record associated with transaction product 10, at the retail store, over the Internet or via telephone. Upon accessing memory 22 of transaction product 10 at 166, redeeming transaction product 10 at 168 or adding value to transaction product 10 at 170, the current bearer of transaction product 10 subsequently can perform any of operations 166, 168 or 170 as desired. In one embodiment, the ability of the current bearer to repeat redeeming transaction product 10 at 168 is limited by whether the account or record associated with transaction product 10 has any value at the time of attempted redemption.
Although primarily described above as occurring at single retail store or web site, in one embodiment, purchasing transaction product 10 at 162, redeeming transaction product 10 at 168 and adding value to transaction product 10 at 170, can each be performed at any one of a number of stores adapted to accept transaction product 10 or over the Internet. In one example, the number of stores are each a part of a chain of similarly branded stores. In one example, the number of stores includes at least one web site and/or at least one conventional brick and mortar store.
For example, in one embodiment, housing 214 includes a first member or base 224 and a second member or cover 226 selectively coupled to one another in any suitable manner. Base 224 independently encloses controller 20 and memory 22 and electrical connector 236 outwardly extends from base 224. Electrical connector 236 is configured to be selectively coupled with computing device 12 via socket 18 (
Cover 226 is configured to be selectively coupled with base 224 to enclose electrical connector 236 therebetween. In one example, cover 226 defines an internal recess or pocket 230 (generally indicated with hidden lines in
Like transaction product 10, transaction product 200 includes account identifier 60 linking transaction product 200 to an account or record. Transaction product 200 may also include one or more of brand indicia 54, redemption indicia 56 and decorative indicia 258, which are similar to decorative indicia 58 described above with respect to transaction product 10.
In one embodiment, housing 214 is shaped in a three-dimensional manner mimicking a shape of a fictional or non-fictional character. For example, housing 214 may be shaped similar to a fictional character from a media product associated with transaction product 200 and is configured to stand upright from a support surface (not shown). For instance, housing 214, which is shaped to generally define feet, legs, a torso, arms and a head of character wherein a bottom surface 270 of housing 214 is adjacent the feet of the character, is substantially planar and is configured to interface with the support surface such that housing 214 (and therefore, the character) stands upright from the support surface.
Decorative indicia 258 are included on external surfaces 272 of housing 214 and are configured to further define the character. For example, decorative indicia 258 may further define or separate the feet, legs, torso, arms and/or head of the character as well as any clothing, facial or other features to make the depicted character readily identifiable to users, potential consumers and other observers of transaction product 200. In one embodiment, the three-dimensional depiction of the character by transaction product 200 further promotes the sale and use of transaction product 200 by consumers and/or recipients as well as the media product and associated data content associated therewith.
Transaction product 200 can be assembled, provided and used in a similar manner as described above with respect to transaction product 10 with only minor differences as will be apparent to those of skill in the art upon reading the current application. Furthermore, transaction products differing from transaction products 10 and 200 described above but still falling within the scope of the present invention will also be apparent to those of skill in the art upon reading this application.
Stored-value cards and other transaction products come in many forms, according to embodiments of the invention. The gift card, like other stored-value cards, can be “recharged” or “reloaded” at the direction of the original consumer, the gift recipient or 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 stored-value card. The balance associated with a stored-value card declines as the card is used, encouraging repeat visits. The card remains in the user's purse or wallet, serving as an advertisement or reminder to revisit the associated merchant. Gift cards, according to an embodiment of the invention, provide a number of advantages to both the consumer and the merchant. Other transaction products according to embodiments of the invention include loyalty cards, merchandise return cards, electronic gift certificates, employee cards, frequency cards, pre-paid cards and other types of cards associated with or representing purchasing power or monetary value, for example.
Although the invention has been described to particular embodiments, such embodiments are for illustrative purposes only and should not be considered to limit the invention. Various alternatives and modifications within the scope of the invention in its various embodiments will be apparent to those with ordinary skill in the art.
