Patent Grant
8701987
Stored-value cards and other transaction products come in many forms. A gift card, for example, is a type of transaction product 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 transaction 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 product including a paddle, a string, a ball, and an account identifier. The paddle defines an enlarged portion and an elongated handle extending from the enlarged portion. The paddle is formed as a single piece of material. The string defines a first end and a second end opposite the first end. The first end of the string is coupled to the paddle. The ball is coupled to the second end of the string and is configured to bounce on the paddle. The account identifier is statically connected to the paddle and links the paddle to at least one of an account and a record and is machine readable by a point-of-sale terminal. Stored-value cards, methods of providing a transaction card, and other embodiments of stored-value or transaction cards and associated combinations 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 of the invention provides examples 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 stored-value card assembly or other transaction product assembly is adapted to facilitate making purchases of goods and/or services at, for example, a retail store or web site. According to one embodiment, an original consumer buys a transaction product assembly to give a recipient who in turn is able to use at least a portion of the transaction product assembly to pay for goods and/or services. A transaction product assembly, according to embodiments of the present invention, provides the consumer and recipient with extra amusement and functionality in addition to the ability to pay for goods and/or services with the associated transaction product assembly.
In particular, according to one embodiment, the transaction product assembly includes a transaction card or other transaction product having both a financial functionality and a novelty or amusing functionality, such as to amuse the bearer of the transaction product trying to hit a ball off a paddle in as many successive times as possible as further described below. In one embodiment, transaction product assembly is packaged in a manner substantially enclosing the transaction product such that the features of the transaction product are displayed to potential consumers in a manner encouraging purchase of the transaction product assembly. In one embodiment, the amusing aspect of the transaction product assembly promotes sale, use, and/or loading of the transaction product by potential consumers and/or bearers of the transaction product assembly.
Turning to the figures,
A portion of transaction product 10, for example, paddle 12, includes at least one account activation area or account identifier 18, such as a bar code, magnetic strip, a smart chip, or other electronic device, a radio frequency identification (RFID) device or other suitable identifier readily machine readable by a point-of-sale terminal or other account access station or kiosk. Account identifier 18 indicates an account or record to which transaction product 10 is linked. The account or record of the monetary or other balance on transaction product 10 optionally is maintained on a remote database accessible by corresponding point-of-sale terminals, other electronic or manual record-keeping system or, in the case of “smart” cards for example, on a chip or other electronic device(s) on transaction product 10, itself. Accordingly, by scanning account identifier 18, the account or record linked to transaction product 10 is identified and can subsequently be activated, have amounts debited therefrom, and/or have amounts added thereto.
In one embodiment, account identifier 18 includes a character string or code 19 (e.g., a number and/or letter string) configured to provide additional security to the user 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 brick-and-mortar type retail establishments. With the above in mind, account identifier 18 is one example of means for linking transaction product 10 with an account or record, and scanning of account identifier 18 is one example of means for activating or loading value on transaction product 10. Transaction product 10, for example, paddle 12, is one example of means for supporting account identifier 18.
In one embodiment, paddle 12 defines an enlarged portion 20 and a handle 22. Enlarged portion 20 is sized and configured for interacting with ball 14, and in one example, is generally round to form an end similar to an impact portion of a racquet, etc. Handle 22 extends from a side, e.g., the bottom of, enlarged portion 20. Handle 22 is elongated and narrow relative to enlarged portion 20 such that users can relatively easily grasp paddle 12 via handle 22. In one embodiment, paddle 12 is formed as a single piece of wood or plastic including both enlarged portion 20 and handle 22.
In one embodiment, paddle 12 defines a first or front surface 24 and a second or rear surface 26 opposite front surface 24 separated by a thickness of paddle 12. As illustrated, in one example, each of front surface 24 and rear surface 26 are partially formed by each of enlarged portion 20 and handle 22. A perimeter edge 28 extends around a substantial entirety of paddle 12, including enlarged portion 20 and handle 22, between, for example, substantially perpendicular to, each of front surface 24 and rear surface 25.
Paddle 12 is formed of any suitable substrate or combination of substrates. More specifically, in one embodiment, paddle 12 is a substantially planar member formed of plastic (e.g. polycarbonate, polystyrene, polyvinyl chloride (PVC), acrylonitrile butadiene styrene (ABS), polyethylene terephthalate (PET), teslin, polyactide (PLA), or acrylic), a composite, or other suitable material. In one embodiment, paddle 12 is molded from plastic; while in other embodiments, paddle 12 is formed in any other suitable planar or non-planar configuration as will be apparent to those of skill in the art upon reading this application, e.g., formed of wood.
Additionally referring to the exploded, cross-sectional view illustration of
Rear surface 26 is formed similar to front surface 24, in one example, and defines a major, substantially planar section 40, a rim 42, and an offset 44 similar to major, substantially planar section 30, rim 32, and offset 34 of front surface 24. As such, a recess is formed across major, substantially planar section 30 bound by rim 32. In one example, paddle 12 is a first thickness between major, substantially planar section 30 of front surface 24 and major, substantially planar section 40 of rear surface 26 and a second thickness between rim 32 of first surface 24 and rim 42 of rear surface 26, where the second thickness is greater than the first thickness (see, e.g.,
In one embodiment, paddle 12 defines an aperture 46 extending therethrough via each of major, substantially planar section 30 of front surface 24 and major, substantially planar section 40 of rear surface 26. Aperture 46 is sized just slightly larger than a diameter of string 16 to facilitate coupling of string 16 to paddle 12 as will be described in greater detail below. Paddle 12 may incorporate other additional or alternative features to facilitate string 16 attachment to paddle 12 as will be apparent to those of skill in the art upon reading the current application.
In one embodiment, transaction product 10 additionally includes a first or front panel 50 and/or a second or rear panel 70 each configured to be adhered to paddle 12, e.g., as stickers, as illustrated in
Front surface 58 of front panel 50 includes decorative indicia 60 for paddle 12. For example, as illustrated, decorative indicia 60 are used to depict paddle 12 as a tennis or other racquet with a handle and webbed portion corresponding with handle 22 and enlarged portion 20 of paddle 12. Other decorative indicia 60 are also contemplated such as that indicia linking paddle 12 to a season, occasion, holiday, celebration, theme, character, movie, book, television show, etc. as will be apparent to those of skill in the art upon reading this application. In one embodiment, front panel 50 includes brand indicia 62, which, in one example, includes one or more of a logo, text, trademark, etc. that associate transaction product 10 with at least one of a product, a brand, a store, department, bank, etc. Front panel 50 is one example of means for displaying aesthetic enhancements to transaction product 10.
In one embodiment, rear panel 70 is sized and shaped substantially identical to major, substantially planar section 40 of rear surface 26 and, therefore, defines an enlarged portion 72 and a handle portion 74. Like front panel 50, rear panel 70 is relatively thin and substantially planar defining a first or front surface 76 and a second or rear surface 78 opposite front surface 76. Front surface 76 is coated in adhesive and/or is otherwise configured to be applied and secured to major, substantially planar section 40 of rear surface 26 of paddle 12. Enlarged portion 72 and handle portion 74 align with the parts of major, substantially planar section 40 that partially forms enlarged portion 20 and handle 22 of paddle 12. In one embodiment, rear panel 70 defines or is later punctured to define an aperture 84 through a center of enlarged portion 72 that aligns with aperture 46 of paddle 12.
In one example, rear surface 78 of rear panel 70 includes account identifier 18 and/or access code 19. In one embodiment, account identifier 18 includes a bar code printed to rear surface 78. As such, rear panel 70 is one example of means for supporting account identifier 18 or other means for linking transaction product 10 to an account or record.
In one embodiment, rear surface 78 of rear panel 70 includes decorative indicia 60, for example, decorative indicia 60 similar to or visually corresponding to decorative indicia 60 on front panel 50. Other decorative indicia 60 are also contemplated that visually link paddle 12 to a season, occasion, holiday, celebration, theme, character, movie, book, television show, etc. as will be apparent to those of skill in the art upon reading this application. In one embodiment, rear surface 78 of rear panel 70 also includes brand indicia 62.
In one embodiment, transaction product 10 includes redemption indicia 80, generally indicated with a dashed box in
Ball 14 is configured to repeatedly bounce off paddle 12 and, in one embodiment, is formed of rubber. Ball 14 is sized appropriately relative to paddle 12. In one example, where paddle 12 has a width of about 3.75 inches at its widest dimension across enlarged portion 20, ball 14 is about 1 inch in diameter, however, a similar or smaller diameter ball may be used with the similarly sized, larger, or smaller paddles. Ball 14 is generally a sphere 90 in shape and defines a cavity or hole 92 extending entirely through a center of ball 14. In one example, brand indicia 94 similar to and/or corresponding with brand indicia 60 are included on ball 14, for instance, centered on an end of hole 92.
String 16, for example, formed of elastic, preferably has elastic properties allowing string 16 to stretch when ball 14 is hit by and travels away from paddle 12 in a manner that will limit a distance ball 14 can travel away from paddle 12. String 16 defines a first end 100 and a second end 102 opposite first end 100. First end 100 is tied to form a first knot 104 and second end 102 is thread through hole 92 of ball 14. First knot 104 generally prevents first end 100 of string 16 from inadvertently traveling through hole 92. Second end 102 of string 16 is thread through hole 92 in ball 14 to paddle 12 and is coupled thereto in any suitable manner. In one example, second end 102 of string 16 is thread through aperture 46 of paddle 12 and, in one embodiment, through one or both of apertures 64 and 84 in front and rear panels 50 and 70, respectively. In one embodiment, second end 102 of string 16 is tied into a second knot 106 on a rear side of rear surface 26 of paddle 12 such that second end 102 of string 16 will not pass back through aperture 46 without untying or otherwise removing second knot 106. Since second knot 106 is on the rear side of paddle 12, second knot 106 will not substantially interfere with ball 14 bouncing on front surface 24 of paddle 12 and/or front surface 58 of front panel 50. Notably, even where front panel 50 is included, ball 14 is considered to bounce off of and/or be hit by front surface 24 of paddle 12 since paddle 12, not front panel 50, generally defines the resistive structure capable of deflecting/hitting ball 14 to cause a bounce of ball 14 therefrom.
To facilitate manufacture of transaction product 10 and/or to facilitate packaging of transaction product 10, in one embodiment, string 16 is tightly secured around paddle 12. For example, as illustrated in
As illustrated in
For example, in one embodiment, backer 130 includes decorative indicia 144, which makes backer 130 more aesthetically pleasing to potential consumers, and also ties the visual aesthetic of backer 130 to the appearance of transaction product 10, e.g., to decorative indicia 60 on front panel 50 and rear panel 70. For instance, decorative indicia 144 provide background scenery or other related graphics to a common theme of transaction product 10. In the illustrated embodiment, where decorative indicia 60 depict transaction product 10 as a tennis racquet, decorative indicia 144 provides a tennis scene with a character playing tennis, etc.
In one embodiment, backer 130 includes brand indicia 146, which identify a store, brand, department, etc. and/or services associated with transaction product 10, and, in one example are similar to brand indicia 62 and/or 94. In one example, backer 130 includes indicia 148 including “to,” “from,” and “amount” fields. The fields of indicia 148 provide areas of backer 130 configured to be written upon by a consumer to personalize backer 130 for presentation as a gift to a particular recipient, for a particular purpose, and/or to indicate a value of transaction product 10.
In one embodiment, backer 130 includes redemption indicia 150, generally indicated by a dashed box in
As illustrated in
Any of indicia 60, 62, 80, 94, 144, 146, 148, 150, and 152 and/or other indicia optionally may appear anywhere on backer 130 or transaction product 10. Additional information besides that specifically described and illustrated herein may also be included and/or one or more of indicia 60, 62, 80, 94, 144, 146, 148, 150, and 152 may be eliminated.
In one embodiment, backer 130 includes a window or opening 160 for displaying account identifier 18 of transaction product 10 therethrough as illustrated in
In one embodiment, backer 130 defines a top edge 162 and an opposite, bottom edge 164. Near top edge 162, backer 130 defines an aperture 166 or hook configured to receive a support rod or similar structure in a retail display such that backer 130, and therefore, packaged transaction product assembly 134 as a whole, can be hung therefrom. In one embodiment, bottom edge 164 of backer 130 is defined to substantially follow an outline of decorative indicia 144 near the bottom of rear surface 142 of backer 130 in a non-linear manner. One or more fold lines 168 are defined by backer 130 near a lower portion thereof to divide backer 130 into a first or top section 170 and a second or bottom section 172. Bottom section 172 of backer 130 folds up around fold line(s) 168 to cover a portion of top section 170 such that a portion of rear surface 142 defined by bottom section 172 is viewable along with a portion of front surface 140 defined by top section 170 when packaged transaction product assembly 134 is viewed from the front as illustrated in
In one embodiment, decorative indicia 144 on the portion of rear surface 142 defined by bottom section 172 that is viewable in
Blister 132 is vacuum formed or otherwise molded from transparent and/or translucent plastic (e.g., polyvinyl chloride) or other suitable material to define a cavity 182 sized and shaped to specifically receive transaction product 10. More particularly, in one embodiment, blister 132 is in the form of a plastic shell defining cavity 182, which includes a paddle section 186 and a ball section 188, and a perimeter flange 184 extending around cavity. Perimeter flange 184 defines a substantially planar rear surface (not shown) of blister 132 configured to be adhered or otherwise coupled to front surface 140 of backer 130.
Paddle section 186 of blister 132 defines a relatively thin section of cavity 182 adjacent to but forwardly offset from perimeter flange 184. Paddle section 186 is sized and shaped to receive paddle 12 of transaction product 10 and to generally maintain transaction product 10 in place within first cavity portion 180. In one embodiment, ball section 188 is centered with respect to an enlarged portion of paddle section 186 and is sized, shaped, and positioned to receive ball 14 when it is pulled against paddle 12 in the position illustrated in
At 206, front and rear panels 50 and 70 are secured to major, substantially planar sections 30 and 40 of front and rear surfaces 24 and 26 of paddle 12, respectively, as illustrated, for example, in
After string 16 is coupled to paddle 12 and ball 14, then at 212, string 16 is pulled rearwardly through aperture 46 of paddle 12 to position ball 14 directly adjacent front surface 24 of paddle 12 or front surface 58 of front panel 50. At 214, string 16 is pulled downwardly from aperture 46 toward handle 22 of paddle 12 to define a first length 110 and is subsequently wrapped around handle 22 a number of times, e.g., three times, to form wrapped portion 112 of string 16. At 216, second end 102 of string 16 is looped through wrapped portion 112 of string 16 to at least partially secure string 16 in place relative to paddle 12 and extend away from wrapped portion 112 to define a free length 114 extending from wrapped portion 112 to second end 102 of string 16. In one embodiment, operation 216 includes further securing string 16 in place relative to paddle 12 by placing sleeve 116 around first length 110 and free length 114 of string 16.
After string 16 is secured in place, account identifier 18 is added to transaction product 10. In one embodiment, where account identifier 18 is a bar code, transaction product 10 with string 16 wrapped around paddle 12 as described above is moved through printing machines to print the bar code, in one example, a different, unique bar code, to each transaction product 10. The wrapping of string 16 and securement of string 16 around paddle 12 allows transaction product 10 as a whole to be moved through printing machines, which, in one embodiment, is more efficient than printing paddle 12 with account identifier 18 and then coupling string 16 with ball 14 thereto since printing often occurs at a different facility than the facility that assembles paddle 12, ball 14, and string 16. Therefore, printing a fully assembled transaction product 10 may save the time and expense of sending printed paddles back to the first facility for additional assembly. One of skill in the art will recognize that similar considerations and processes would also apply to the application of RFID tags, magnetic strips, and other forms of account identifier 18 to paddle 12. In one embodiment, account identifier 18 is alternatively added through opening 160 in backer 130 (i.e., after operation 220 described below) such that no assembly of packaged transaction product assembly 134 is performed after account identifier 18 is added.
At 220, transaction product 10 is packaged for retail sale. More specifically, at 222, transaction product 10 is placed in cavity 182 of blister 132, for example, by placing ball 14 in ball portion 188 of cavity 182 and paddle 12 in paddle portion 186 of cavity 182. When so positioned, rear surface 26, even rim 42, is fully positioned within cavity 182 and offset at least slightly from a rear surface (not shown) of perimeter flange 184.
At 224, rear surface (not shown) of perimeter flange 184 of blister 132 is positioned on front surface 140 of backer 130 and secured thereto. For instance, in one example, heat and pressure are applied to perimeter flange 184 and backer 130 to activate heat-seal adhesive on the rear surface of perimeter flange 184. Other suitable coupling methods may also be used.
In one embodiment, at 226, bottom section 172 of backer 130 is folded forwardly and upwardly about fold line(s) 168 to cover a portion of transaction product 10, e.g., a portion of paddle 12, and blister 132 as illustrated in
When so folded, decorative indicia 144 on rear surface 142 of bottom section 172 is positioned in front of and is visible concurrently with decorative indicia 144 on front surface 140 of top portion and decorative indicia 60 on front surface 58 of front panel 50 applied to paddle 12 to create a synergistic visual presentation with varying levels of depth, thereby, increasing the visual interest of packaged transaction product assembly 134 and promoting sale of packaged transaction product assembly 134 to potential consumers who view packaged transaction product assembly 134. Once fully assembled, packaged transaction product 10 is ready for retail display, etc.
At 244, a consumer who has decided to purchase transaction product 10 presents transaction product 10 alone or as part of packaged transaction product assembly 134 to a retail store employee, retail store kiosk, remote terminal, or other person or device to scan account identifier 18 using a point-of-sale terminal or other machine to access an account or record linked to account identifier 18. In particular, account identifier 18 is scanned or otherwise accessed, for example through opening 160 of backer 130 to activate packaged transaction product assembly 134, more particularly, transaction product 10 and the account or record linked thereto. Upon accessing the account or record, then, at 246, value is added to the account or record in the form of monetary value, points, minutes, etc. Thus, transaction product 10 is activated and loaded for use toward one or more purchases of goods and/or services.
In one example, a predetermined value is associated with transaction product 10 (i.e., associated with the account or record linked to transaction product 10 via account identifier 18) 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 244, transaction product 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 246 may be eliminated.
Once transaction product 10 is activated and loaded, transaction product 10 can be used by the consumer or any other bearer of transaction product 10 to purchase goods and/or services at the affiliated retail setting (e.g., a retail store or website) or can be used in exchange for calling minutes, etc. In one embodiment, where transaction product 10 is displayed on a website at 242, then, at 244, transaction product 10 may be activated in any suitable method and may not require the physical scanning of account identifier 18 to be activated or to otherwise access the associated account or record such as at 246.
In one example, at 248, the retail store or other affiliated retail setting or website accepts transaction product 10 as payment toward the purchase of goods and/or services made by the current bearer of transaction product 10. In particular, the value currently loaded on transaction product 10 (i.e., stored or recorded in the account or record linked to account identifier 18) is applied toward the purchase of goods and/or services. At 250, additional value is optionally loaded on transaction product 10 at a point-of-sale terminal, kiosk or other area of the retail store or related setting either during the same or during a subsequent transaction than the transaction in which transaction product 10 is accepted at 248. Upon accepting transaction product 10 as payment at 248, the retail store or related setting can subsequently perform either operation 248 or operation 250 as requested by a current bearer of transaction product 10. Similarly, upon loading additional value on transaction product 10 at 250, the retail store or related setting can subsequently perform either operation 250 again or operation 248. In one example, the ability to accept transaction product 10 as payment for goods and/or services is limited by whether the account or record associated with transaction product 10 has any value stored or recorded therein at the time of attempted redemption.
At 274, the consumer optionally gives transaction product 10, for example, as part of packaged transaction product assembly 134, 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 product 10 are purchased and given to partygoers, such as at a birthday party, 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 274.
At 276, the consumer, recipient, or other current bearer of transaction product 10 interacts with the non-transactional features thereof for amusement. More specifically, in one example, the bearer of transaction product 10 removes transaction product 10 from backer 130 and blister 132, unwraps string 16 from around paddle 12, and begins to or attempts to begin to successively bounce ball 14 on front surface 24, more particularly, front surface 58 of front panel 50 covering front surface 24, in an amusing and challenging manner.
At 278, the consumer or recipient redeems transaction product 10 for goods and/or services from the retail store or website. At 280, the consumer or recipient of transaction product 10 optionally adds value to transaction product 10, more particularly, to the account or record associated with account identifier 18 included therewith, at the retail store or over the Internet (i.e., via the website). Upon interacting with the non-transaction feature of transaction product 10 at 276, redeeming transaction product 10 at 278 or adding value to transaction product 10 at 280, the consumer or recipient of transaction product 10 subsequently can perform any of operations 276, 278, or 270 as desired. In one embodiment, the ability of the consumer or recipient to repeat redeeming transaction product 10 at 278 is limited by whether the account or record linked with transaction product 10 has any remaining value stored or recorded therein at the time of attempted redemption.
Although described above as occurring at a single retail store or website, in one embodiment, purchasing transaction product 10 at 272, redeeming transaction product 10 at 278, and adding value to transaction product 10 at 280, 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, 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 website and/or at least one conventional brick and mortar store.
Transaction cards and other products come in many forms, according to embodiments of the invention. Stored-value cards, like other transaction cards, 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 card. The balance associated with the transaction card declines as the card is used, encouraging repeat visits or use. The card remains in the user's purse or wallet, serving as an advertisement or a reminder to revisit the associated merchant. Stored-value cards according to embodiments of the invention provide a number of advantages to both the consumer and the merchant. Other stored-value cards and transaction cards 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 meant for illustrative purposes only and should not be considered to limit the invention. Various alternatives and changes will be apparent to those of ordinary skill in the art. Other modifications within the scope of the invention and its various embodiments will be apparent to those of ordinary skill.
This non-provisional application claims the benefit under 35 U.S.C. §119(e) to U.S. Provisional Patent Application No. 61/498,372, filed Jun. 17, 2011, which is incorporated herein in its entirety.
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