U.S. patent application number 11/006504 was filed with the patent office on 2006-06-08 for stored-value card adapted to be read by an electronic device.
This patent application is currently assigned to TARGET BRANDS, INC.. Invention is credited to Stacey Donovan, Mark A. Schultz.
Application Number | 20060118616 11/006504 |
Document ID | / |
Family ID | 36568795 |
Filed Date | 2006-06-08 |
United States Patent
Application |
20060118616 |
Kind Code |
A1 |
Schultz; Mark A. ; et
al. |
June 8, 2006 |
STORED-VALUE CARD ADAPTED TO BE READ BY AN ELECTRONIC DEVICE
Abstract
A stored-value card including a first surface and a second
surface. The first surface stores data adapted to be read by an
electronic device to perform at least one interactive activity. The
second surface is opposite the first surface. The second surface
includes account indicia signifying a financial account linked to
the stored-value card, and brand indicia relating to a retail
setting configured to redeem the stored-value card. The at least
one interactive activity includes displaying at least one of a
character, an object, a textual passage, and a symbol associated
with the retail setting. Financial transaction card assemblies,
packaged stored-value cards, and methods of using such cards are
also disclosed.
Inventors: |
Schultz; Mark A.;
(Burnsville, MN) ; Donovan; Stacey; (Prairie
Village, KS) |
Correspondence
Address: |
DICKE, BILLIG & CZAJA, P.L.L.C.
FIFTH STREET TOWERS
100 SOUTH FIFTH STREET, SUITE 2250
MINNEAPOLIS
MN
55402
US
|
Assignee: |
TARGET BRANDS, INC.
|
Family ID: |
36568795 |
Appl. No.: |
11/006504 |
Filed: |
December 6, 2004 |
Current U.S.
Class: |
235/380 ;
235/487 |
Current CPC
Class: |
B42D 15/022 20130101;
G07F 7/02 20130101; G06Q 20/3437 20130101; G06Q 30/02 20130101 |
Class at
Publication: |
235/380 ;
235/487 |
International
Class: |
G06K 5/00 20060101
G06K005/00; G06K 19/00 20060101 G06K019/00 |
Claims
1.-10. (canceled)
11. A financial transaction card assembly, comprising: a financial
transaction card defining a first surface and a second surface
opposite the first surface, the first surface including a link
associated with a financial account or record; and a carrier
including: a backer defining a window aperture, and a generally
transparent window extending over the window aperture; wherein the
carrier is configured to house the financial transaction card while
on display for retail sale of the financial transaction card, and
further wherein the link to the financial account or record is
viewable from outside the carrier through the transparent window;
wherein the financial transaction card includes interactive
software relating to at least one of a brand, a store identifier,
and a store mascot; wherein the carrier includes indicia generally
identifying the interactive software.
12.-13. (canceled)
14. The financial transaction card assembly of claim 11, wherein
the carrier includes indicia relating to the redemption of the
financial transaction card for goods or services.
15. The financial transaction card assembly of claim 11, wherein
the carrier includes an aperture configured for hanging the carrier
from a display rod.
16. The financial transaction card assembly of claim 11, wherein
the carrier is a bi-fold carrier.
17. The financial transaction card assembly of claim 16, wherein
the bi-fold carrier defines a first panel and a second panel,
wherein the first panel defines the window aperture, and wherein
the financial transaction card is maintained between the second
panel and the window.
18. The financial transaction card assembly of claim 17, wherein
the second panel includes a background field partially viewable
through the window around at least a portion of the financial
transaction card.
19. The financial transaction card assembly of claim 17, wherein
the window is adhered to the second panel at least partially about
the financial transaction card, and the first panel is subsequently
folded upon and adhered to the second panel.
20.-32. (canceled)
33. A financial transaction card assembly, comprising: a financial
transaction card defining a first surface and a second surface
opposite the first surface, the first surface including a link
associated with a financial account or record; and a carrier
including: a backer defining a window aperture, and a generally
transparent window extending over the window aperture; wherein the
carrier is configured to house the financial transaction card while
on display--for retail sale of the financial transaction card, and
further wherein the link to the financial account or record is
viewable from outside the carrier through the transparent window;
wherein the carrier is a bi-fold carrier defining a first panel and
a second panel, wherein the first panel defines the window
aperture, and wherein the financial transaction card is maintained
between the second panel and the window; wherein the second panel
includes a background field partially viewable through the window
around at least a portion of the financial transaction card.
34. The financial transaction card assembly of claim 33, wherein
the financial transaction card includes interactive software
relating to at least one of a brand, a store identifier, and a
store mascot.
35. The financial transaction card assembly of claim 34, wherein
the carrier includes indicia generally identifying the interactive
software.
36. The financial transaction card assembly of claim 35, wherein
the carrier includes indicia relating to the redemption of the
financial transaction card for goods or services.
37. The financial transaction card assembly of claim 33, wherein
the carrier includes an aperture configured for hanging the carrier
from a display rod.
38. The financial transaction card assembly of claim 33, wherein
the window is adhered to the second panel at least partially about
the financial transaction card, and the first panel is subsequently
folded upon and adhered to the second panel.
Description
BACKGROUND OF THE INVENTION
[0001] Stored-value cards and other financial transactions cards
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 to 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 advertisement or reminder to revisit
the associated retailer. Gift cards provide a number of advantages
to both the consumer and the retailer.
SUMMARY OF THE INVENTION
[0002] One aspect of the present invention relates to a
stored-value card including a first surface and a second surface.
The first surface stores data adapted to be read by an electronic
device to perform at least one interactive activity. The second
surface is opposite the first surface. The second surface includes
account indicia signifying a financial account linked to the
stored-value card and brand indicia relating to a retail setting
configured to redeem the stored-value card. The at least one
interactive activity includes displaying at least one of a
character, an object, a textual passage, and a symbol associated
with the retail setting. Related products and methods are also
disclosed and provide additional advantages.
BRIEF DESCRIPTION OF THE DRAWINGS
[0003] Embodiments of the invention will be described with respect
to the figures, in which like reference numerals denote like
elements, and in which:
[0004] FIG. 1 is a front view of one embodiment of a stored-value
card, according to the present invention.
[0005] FIG. 2 is a rear view of the stored-value card of FIG. 1,
according to the present invention.
[0006] FIG. 3 is an illustration of one embodiment of a main menu
user interface, according to the present invention.
[0007] FIG. 4 is an illustration of one embodiment of a first game
user interface, according to the present invention.
[0008] FIG. 5 is an illustration of one embodiment of a second game
user interface, according to the present invention.
[0009] FIG. 6 is a front view of one embodiment of a packaged card
product, according to the present invention.
[0010] FIG. 7 is a front view of one embodiment of an outside of a
package backer for a stored-value card, according to the present
invention.
[0011] FIG. 7A is an enlarged front inverted view of a bottom panel
of the outside of the package backer of FIG. 7.
[0012] FIG. 8 is a back view of the package backer of FIG. 7.
[0013] FIG. 9 is a back view of the package backer of FIG. 7 with a
stored-value card and a transparent substrate during assembly,
according to an embodiment of the present invention.
[0014] FIG. 10 is a cross-sectional view taken along line 10-10 of
FIG. 6.
[0015] FIG. 11 is a schematic illustration indicating use options
of a stored-value card, according to an embodiment of the present
invention.
[0016] FIG. 12 is a flow chart generally illustrating one
embodiment of a method of using a stored-value card, according to
the present invention.
[0017] FIG. 13 is an illustration of one embodiment of an End-User
License Agreement user interface, according to the present
invention.
DETAILED DESCRIPTION
[0018] A gift card or other stored-value card is adapted for making
purchases of goods and/or services from e.g. a retail store or
website. A stored-value card, according to embodiments of the
present invention, stores data adapted to be read by an electronic
device, such as an optical data reader, to present a user with
interactive activities via a computer processing unit equipped with
or operably coupled to the electronic device. In one embodiment,
the interactive activities specifically include indications,
objects, activities, slogans, advertising, promotional information,
brand indicia, logos, and/or other information linked to a brand
identifier of a particular store, product, or service for which the
stored-value card can be used and applied to purchase goods and/or
services.
[0019] According to one embodiment, an original consumer buys the
stored-value card to give a recipient who in turn is able to use
the stored-value card at a retail store or setting to pay for goods
and/or services. The stored-value card presents one or more
interactive activities and/or static data sets related to the
products and/or retail setting with which the stored-value card is
associated. In this manner, the original consumer provides the
recipient with entertainment or education in addition to the
ability to pay for goods and/or services. In some embodiments, the
interactive activities on the stored-value card are related to an
occasion, such as a wedding, new baby, graduation, holiday, season,
etc. For example, in the case of a wedding, the bride and groom
receive a stored-value card including interactive activities or
static data relating to a wedding and use the gift card to shop for
home needs or other items.
[0020] Turning to the figures, FIGS. 1 and 2 illustrate a
stored-value card 10 such as a gift card or other pre-paid card. In
one embodiment, stored-value card 10 is generally planar and is
defined by first, second, third, and fourth edges 12, 14, 16, and
18. First edge 12 and third edge 16 are each generally linear and
are spaced from and positioned generally parallel to one another.
Second edge 14 extends between first and third edges 12 and 16 with
a convex curvature. Fourth edge 18 extends between first and third
edges 12 and 16 opposite second edge 14. More specifically, fourth
edge 18 extends with a convex curvature.
[0021] In one embodiment, stored-value card 10 is sized and shaped
similar to a credit or debit card, but with curved edges 16 and 18
rather than the typically straight edges of credit or debit cards.
Accordingly, stored-value card 10 is sized to fit within a wallet
or other holder sized to receive a credit or debit card. In
addition, curved edges 16 and 18 facilitate placement of
stored-value card 10 in an electronic device, for example, an
optical data reader (e.g. a CD-ROM drive, a DVD player, or a CD
player) or any suitable electronic data reader.
[0022] A first generally planar surface 20 is defined between edges
12, 14, 16, and 18 and a second generally planar surface 22 is
defined between edges 12, 14, 16, and 18 and is opposite first
surface 20. An aperture 24 extends through and is generally
centered on each of first surface 20 and second surface 22.
Aperture 24 is sized to be received by an optical data reader. In
one embodiment, aperture 24 is sized and shaped to engage the drive
mechanism or rotatable spindle of the optical data reader.
[0023] In one embodiment, first surface 20 is formed of a
substrate, such as polycarbonate, resin, plastic, or other suitable
material that is durable and flexible. Use of the above-described
substrates will generally prevent stored-value card 10 from
cracking or breaking due to excessive pressure in a wallet or other
holder and will otherwise generally protect against "wear and
tear," while still maintaining sufficient rigidity to be read by
the electronic device.
[0024] First surface 20 includes indicia including one or more of
brand or store-identifying indicia 30, descriptive indicia 32, and
decorative indicia 34. Brand or store identifying indicia 30
indicate the associated brand or store for which stored-value card
10 can be used and applied with a logo, slogan, brand indicia,
trademark, or other identifying graphic and/or text. For instance,
store identifying indicia 30 indicate the particular store that
will accept stored-value card 10 as payment for goods and/or
services.
[0025] Descriptive indicia 32 indicate what software stored-value
card 10 includes. For example, as illustrated in FIG. 1,
descriptive indicia 32 indicate that stored-value card 10 is a gift
card and that stored-value card 10 includes computer games, in
particular, holiday computer games. In other examples, descriptive
indicia 32 include the number and types of games, activities,
and/or static data stored on stored-value card 10 or any other
indication of what data is stored on stored-value card 10, such as
coupons, movie trailer(s), music, etc.
[0026] Decorative indicia 34 include any symbol, color, characters,
graphics, or other objects that add to the overall look of
stored-value card 10. In particular, decorative indicia 34 may
include an attention-grabbing display 36 including text characters
and/or objects, such as the "Wanna Play" line illustrated in FIG.
1. In one embodiment, the attention-grabbing display 36 includes an
object 38, such as an animal, symbol, etc., relating to the product
or store to which the stored-value card 10 is linked, such as a
mascot or logo associated with the store or product. For example,
the object 38 in FIG. 1 is a dog mascot of the store or product
with which the stored-value card 10 is associated.
[0027] Alternatively or additionally, decorative indicia 34 may
include seasonal or occasion-specific decorative indicia 40. More
specifically, decorative indicia 34 are related to an occasion,
such as a graduation, wedding, new baby, etc., a season, such as
winter, spring, summer, or fall, and/or a holiday, such as
Christmas, Hanukkah, Independence Day, Halloween, Thanksgiving,
etc. In one example, stored-value card 10 is available to consumers
during the winter holiday season. Accordingly, occasion-specific
decorative indicia 40 include snowflakes and a generalized
indication of a snow-covered ground as illustrated in FIG. 1.
[0028] In other embodiments, occasion-specific decorative indicia
40 may include one or more of objects such as Christmas trees, a
nativity scene, menorah, fireworks, flower, leaf, graduation hat,
stork, wedding ring, jack-o-lantern, ghost, etc. depending upon the
occasion, season, or holiday at which the stored-value card 10 is
targeted. Accordingly, indicia 34 are one example of means for
associating stored-value cared 10 with at least one of a holiday, a
season, and an occasion. In one embodiment, decorative indicia 40
are related to other information stored on stored-value card 10,
such as software represented by the data stored on stored-value
card 10, as will be further described below.
[0029] Stored-value cards according to embodiments of the
invention, as well as the games or other interactive or static
activities provided by the stored-value cards, are linked to
seasonal or occasion-specific marketing activities of a retail
store or other entity. For example, a winter-themed card, decorated
with snowflakes and other winter-type indicia and providing
winter-themed games or activities, is released, i.e. first offered
for sale, at the beginning of a retailer's holiday sales season,
and is removed from sale at the end of the season or shortly
thereafter. Branding, decoration, other indicia on the card, and
the games or activities themselves thus are chosen and designed to
generate interest and "buzz" about a particular retailer, its
products, and the exciting opportunities the retailer provides
during a finite period of time such as the holiday shopping season
or other season or event. As such, stored-value cards according to
embodiments of the invention promote sales of the stored-value
cards as well as of the associated goods and services available
within a retail environment.
[0030] First surface 20 also includes an account identifier 48 such
as a bar code, magnetic code, or other suitable identifier readily
readable by a point-of-sale terminal or other account access
station or kiosk. Account identifier 48 indicates a financial
account or record to which stored-value card 10 is linked. An
account or record of the monetary balance on stored-value 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 electronics or devices on stored-value
card 10 itself. Accordingly, by scanning account identifier 48, a
financial account or record linked to stored-value card 10 is
identified and can subsequently be activated, have amounts debited
therefrom, and/or have amounts added thereto. With the above in
mind, account identifier 48 is one example of means for linking
stored-value card 10 with a financial account or record.
[0031] Second surface 22 of stored-value card 10 stores data such
as data representing software for subsequent access and reading by
the electronic device. In one embodiment, second surface 22
includes a plurality of optical data tracks 50 concentrically
positioned about aperture 24. Each data track 50 is configured to
store the aforementioned data. In one embodiment, each optical data
track 50 is formed in a layer of polycrystalline or other suitable
material and can be written and rewritten to several times by a CD
burner or other suitable optical data track burner/writer.
[0032] In one embodiment, optical data tracks 50 of stored-value
card 10 include data related to an End-User License Agreement
(EULA) and interactive activities that are accessible via a CD-ROM.
For example, upon insertion of stored-value card 10 into an optical
data reader and/or upon running the programs stored in optical data
tracks 50, a user interface including the EULA is automatically
displayed to a user via a monitor, screen, or other suitable
display device electrically coupled to the optical data reader. In
one embodiment, additional user interfaces are not shown to a user
until the user accepts the terms of the EULA. Additional details
regarding one specific embodiment of an EULA are shown in FIG.
13.
[0033] As illustrated in FIG. 3, in one embodiment, a user
interface 90 is presented to the user. User interface 90 is a menu,
such as a main menu, generally including indicia of the software
programs or activities represented by the data stored on
stored-value card 10. In one embodiment, user interface 90
indicates that the software of stored-value card 10 includes a
first game and a second game by illustrating a first game icon 92
and a second game icon 94. First game icon 92 may represent the
first game by including a reference to either text, objects, and/or
symbols included in the first game. In addition, additional indicia
96 related to the first game may also be presented near first icon
92, such as a reference to the game type or name and/or an
additional graphic related to the first game.
[0034] Second game icon 94 may represent the second game by
including a reference to either text, objects, and/or symbols
included in the second game. For example, in one embodiment, the
second game includes a dog or other animal catching snowflakes and,
accordingly, second game icon 94 includes a picture of the dog
and/or the snowflakes involved in the second game. In one
embodiment, additional indicia 98 are included generally near
second game icon 94 to further indicate aspects of the second game.
In one embodiment, additional indicia 98 include a reference to the
game name as well as an illustration of a character included in the
second game.
[0035] In one embodiment, game icon 92 and/or 94 and/or additional
indicia 96 and/or 98 include reference to a store, brand, or other
product identifier and/or to a mascot, object, symbol, or other
item that users generally associate with the card provider. In one
example, one or more of game icons 92 and 94 and additional indicia
96 and 98 relate to an occasion, season, or holiday for which
stored-value card 10 is offered. In one embodiment, main menu user
interface 90 additionally includes one or more backgrounds 100 or
borders 102 to further populate main menu user interface 90. In one
embodiment, backgrounds 100 and borders 102 relate to a trademark,
object, color, mascot, or symbol associated with the card provider.
In one example, backgrounds 100 and borders 102 relate to an
occasion, season, or holiday for which stored-value card 10 is
offered. Thus, icons 92 and 94, additional indicia 96 and 98,
backgrounds 100, and/or borders 102 provide one example of means
for associating stored-value card 10 with at least one of a
holiday, a season, and an occasion.
[0036] In addition to being aesthetically linked to the software
data on financial transaction card 10 and/or to the provider or
product associated with stored-value card 10, each icon 92 and 94
is also actively linked to the software data. In other words, by a
user selection or click on one of icons 92 and 94, the user is
presented with an aspect of the software, such as the interactive
activity or data set represented by the respective icon 92 or 94.
For example, in one embodiment in which first icon 92 is linked to
a first game and second icon 94 is linked to a second game, user
selection of one of icons 92 and 94 selects which of the first game
and second game the user wishes to play or otherwise access.
[0037] Upon user selection of first icon 92, the user is presented
with a new user interface unique to the associated first game. In
one embodiment, the user is presented with a first game menu that
includes items such as directions, level selection tools, etc. Upon
reviewing and selecting to begin play at the first game menu, the
user is presented with a first game user interface 110, such as
that illustrated in FIG. 4. In one example, the first game is
related to at least one of the occasion, season, holiday, store
identifiers, brand identifiers, products, etc.
[0038] For example, first game user interface 110 illustrated in
FIG. 4 presents a memory game related to gift giving and including
reference to a dog mascot of the store or product associated with
stored-value card 10. In particular, game user interface 110
represents a memory game as indicated generally by game title
indicia 112 and includes a plurality of wrapped boxes 114. Each of
the plurality of wrapped boxes 114 houses contents such as a
particular view of a store mascot, a symbol, a product, an object
relating to one or more of an occasion, season, or holiday, or a
mixture of the different contents described above. The plurality of
wrapped boxes 114 are divided into pairs of boxes where each box
114 in a pair houses similar or identical contents. Boxes 114 of
different pairs have different contents 116.
[0039] Upon a user clicking or otherwise selecting one of the
plurality of boxes 114, the selected box 114 is opened to reveal
contents 116 of the selected box 114. In each turn, the user is
able to select two boxes 114. The object is to select box pairs,
i.e. to find two boxes 114 with matching contents 116, in a single
turn. Therefore, for each turn or move, two boxes 114 are selected
by the user and compared to determine if the selected boxes have
matching contents 116. In one embodiment, once both boxes 114 of a
pair are selected in a single turn, that pair of boxes is removed
from game user interface 110. Accordingly, a user continues to
takes turns until all the plurality of boxes 116 are paired and/or
removed from game user interface 110.
[0040] In one embodiment, the number of moves, which is equal to
the number of turns the user has taken, is tracked by a move
counter 118. In one embodiment, the number of matches (i.e., the
number of box pairs identified) is indicated by a match counter
119. In one embodiment, following completion of first level, a user
is presented with a score and an opportunity to move on to the next
level. In one example, the score is equal to the number of moves
taken at the first level to match all the boxes 114. In one
embodiment, subsequent levels sequentially increase in difficulty,
for example, by presenting a user with a larger plurality of boxes
114 to match or pair.
[0041] In one embodiment, first game user interface 110
additionally includes one or more of level indicia 120, a skip
level button 122, a quit button 124, and a main menu button 126.
Level indicia 120 indicate the current level of the first game that
the user is playing. Skip level button 122 allows a user to skip
the current level by clicking on or otherwise selecting skip level
button 122. Similarly, quit button 124 allows a user to quit the
current game by clicking on or otherwise selecting quit button 124.
Upon clicking on or otherwise selecting main menu 126 button, the
user is exited from the first game and returned to main menu user
interface 90.
[0042] User selection of second icon 94 causes the user to be
presented with a new user interface unique to the associated second
game. In one embodiment, the user is presented with a second game
menu that includes items such as directions, level selection tools,
etc. for the second game. Upon reviewing and selecting to begin
play on second game menu, the user is presented with a second game
user interface 130, one example of which is illustrated in FIG. 5.
In one example, the second game is related to at least one of the
occasion, season, holiday, store identifiers, product, etc. The
game type or title is included on second game user interface 130 as
title indicia 131.
[0043] In second game user interface 130 of FIG. 5, the game is
focused around the dog mascot 132 of the store or product
associated with stored-value card 10, which is trying to catch
falling snowflakes 134 on its tongue. In this respect, the game is
related to the store or product via dog mascot 132 and is also
related to the winter season with the inclusion of snowflakes 134.
The user is able to control movements of dog mascot 132 including
the direction of movement and jumping of the dog in an attempt to
catch a greater number of snowflakes 134. Additional levels of the
second game may incorporate additional obstacles, such as frozen
ponds or flying snowballs, and/or may incorporate additional
rewards such as bones or treats.
[0044] In one embodiment, second game user interface 130
additionally includes score indicia 136 and a time indicator 138.
Score indicia 136 relay to the user a score the user has
accumulated by catching snowflakes 134 and/or other rewards on the
tongue of dog mascot 132. Time indicator 138 indicates how much
time a user has left at the current level to attempt to catch more
snowflakes 34. In one embodiment, time indicator 138 includes a
ticker clock counting down the number of seconds until the current
level is completed. In one embodiment, second game user interface
130 includes level indicia 120, skip level button 122, quit button
124, and main menu button 126 as described above with respect to
first game user interface 110.
[0045] With the above in mind, stored-value card 10 functions as a
financial transaction or gift card, but additionally provides
recipient of stored-value card 10 with the additional gift of one
or more software interactive activities, such as the games
described above. In one embodiment, the software activities are
provided to appeal to a wide variety of ages. In other embodiments,
the software activities are targeted toward an average age group
for a particular occasion, such as graduation. Accordingly, a
consumer gifting the stored-value card 10 to a recipient is able to
provide the recipient with more than just a stored-value card.
Moreover, the interactive activities generally relate to the store
or other brand identification, thereby providing additional
marketing opportunities for the store or other product providers to
reach the recipient of stored-value card 10. In addition, any
seasonal or occasion-specific objects or indicia included in the
interactive activities, such as boxes 114 and snowflakes 134,
provide means for associating stored-value card with at least one
of a holiday, a season, and an occasion.
[0046] In one embodiment, in addition or as an alternative to one
or more of the games described above, at least one of the software
activities provided by stored-value card 10 includes a dressing
room, which allows a user to dress a body sized and shaped similar
to his or herself in clothes available from the store associated
with stored-value card 10. According to another embodiment, a
software activity includes a personalization area where the giver
can personalize stored-value card 10 to the recipient and/or
occasion, season, or holiday with a message, pictures, digital
photographs, music or other items. In one embodiment, the software
of stored-value card 10 additionally or alternatively includes
other read-only activities such as movie trailers, music samples,
coupons, web site links, product information, advertisements,
demonstrations, etc. With the above in mind, the data stored on
stored-value card 10 is one example of means for providing
interactive brand-related activities to a user.
[0047] In one embodiment, stored-value card 10 is placed within a
package or carrier to facilitate marketing or general placement
within a retail store or setting. FIG. 6 illustrates one embodiment
of a packaged card product 150 including a bi-fold package backer
152, a window 154, and stored-value card 10. Packaged card product
150 is configured to provide stored-value card 10 between surfaces
of bi-fold package backer 152 such that stored-value card 10 is
visible to consumers and purchasers through transparent substrate
or window 154. By placing stored-value card 10 to be viewable by
consumers, consumers are fully informed of what the card they are
purchasing looks like. In addition, the size of package backer 152
increases the overall size of packaged card product 150, increasing
marketing area on packaged card product 150 and decreasing the ease
of shoplifting packaged card product 150.
[0048] FIGS. 7, 7A, and 8 illustrate one embodiment of package
backer 152. Package backer 152 is an elongated, generally
rectangular piece of a generally planar material, such as
cardstock, paperboard, plastic, or other suitable material. More
specifically, package backer 152 is a bi-fold substrate that is
roughly foldable in half. In FIGS. 7 and 8, package backer 152 is
unfolded, i.e. is in an open configuration. Accordingly, unfolded
package backer 152 defines an outside, printed surface 160 and an
inside surface 162 opposite printed surface 160. A perforated line
164 is laterally defined between opposite longitudinal edges 166
and 168 and is generally centered between opposite lateral edges
170 and 172 to define a top panel 174 and a bottom panel 176.
[0049] Top panel 174 defines an aperture 178 similarly shaped and
sized slightly larger than stored-value card 10 (FIG. 6). In one
embodiment, aperture 178 includes two parallel and laterally
extending edges 180 and 182 and two convex edges 184 and 186.
Laterally extending edge 182 is spaced from laterally extending
edge 180. Convex edges 184 and 186 each extend between laterally
extending edges 180 and 182 opposite one another. In one
embodiment, aperture 178 is formed relatively near to perforated
line 164. In one example, top panel 174 further defines a support
arm aperture 188 near top lateral edge 170 configured to receive a
display support arm or hook.
[0050] In one embodiment, top panel 174 includes general marketing
indicia 190 and software indicia 192. General marketing indicia 190
include phrases, wording, objects, or symbols targeted to attract
the eye of consumers and/or to explain the basis of the product to
consumers. For example, as indicated in FIGS. 6 and 7, general
marketing indicia 190 both attract consumer attention and explain
the product by stating "One Gift Card. Two Games. Three times the
fun."
[0051] Software indicia 192 include an indication of what software,
such as interactive activities, static activities, etc., are
included on stored-value card 10. For example, as illustrated in
FIGS. 6 and 7, software indicia 192 include a title 194 and a
graphic 196 for each game included on stored-value card 10. In one
embodiment, the design of software indicia 192 is similar in
appearance to main menu user interface 90 (FIG. 3). As illustrated,
software indicia 192 further include an indication of a holiday,
season, and/or occasion, if any, that the software is related to.
In the illustrated example, the software is identified as relating
to winter holidays due to the use of the phrase "Holiday Computer
Games" 198 and the appearance of snowflakes 200. Other suitable
indicia can also be included on top panel 174, such as
compatibility indicia 202 indicating the operating systems the
software of stored-value card 10 is compatible with, etc.
[0052] Referring to FIGS. 7 and 7A, outside, printed surface 160 of
bottom panel 176 displays indicia, graphics, or text information
including store logo(s), store names(s), slogans, advertising,
instructions, directions, brand indicia, promotional information,
and/or other information. Indicia 210, for example, include "To,"
"From," "Initial GiftCard Value," and "Message" fields. Indicia 212
promote that stored-value card 10 is reloadable (i.e., value can be
added to the account linked to stored-value card 10) at any time.
In one embodiment, instructional indicia 214 are included to depict
the instructions for accessing the software of stored-value card 10
(FIG. 6). In one example, instructional indicia 214 include
instructions for use of card software on either a Macintosh
computer or Windows PC. Instructional indicia 214 can also include
recommended systems for optimal performance of the card
software.
[0053] Optional game indicia 216 on bottom panel 176 illustrate a
portion of each interactive activity included in the card software
to further educate the buyer and recipient of the software included
with the purchase of stored-value card 10. In one embodiment,
redemption indicia 218 are also included on bottom panel 176
indicating that stored-value 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 financial
account or record linked to stored-value card 10. In one
embodiment, redemption indicia 218 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 stored-value card, etc.
[0054] In one example, bottom panel 176 further defines a support
arm aperture 220 near bottom lateral edge 172 configured to receive
a display support arm or hook. More particularly, support arm
aperture 220 is positioned relative to bottom lateral edge 172
similar to the position of support arm aperture 188 of top panel
174 relative to top lateral edge 170.
[0055] Any of indicia 30, 32, 34, 40, 48, 190, 192, 202, 210, 212,
214, 216, 218, or other indicia, optionally may appear anywhere on
outside, printed surface 160 of package backer 152 or stored-value
card 10. Additional information besides that specifically described
and illustrated herein also may be included. In this manner,
printed surface 160 has an overall appearance corresponding in
color, design, etc. with an overall appearance of stored-value card
10. Thus, indicia 30, 32, 34, 40, 48, 190, 192, 202, 210, 214, 216,
218, and other indicia correlating the overall appearance of
printed surface 160 to the overall appearance of stored-value card
10 are examples of means for visually linking stored-value card 10
to package backer 152.
[0056] Referring to FIG. 8, in one embodiment, inside surface 162
of package backer 152 is generally blank other than a background
field 222. In one embodiment, background field 222 is shaped
similar to and sized slightly larger than window aperture 178. In
other embodiments, background field 222 is shaped in another manner
but is still larger than window aperture 178. In one embodiment,
background field 222 is of a color or pattern complementing or
matching the overall color or theme of printed surface 160. As
illustrated with reference to FIGS. 9 and 10, upon assembly of
packaged card product 150, second surface 22 of stored-value card
10 is placed upon bottom panel 176 of inside surface 162. More
specifically, store-valued card 10 is generally centered upon
background field 22 of package backer 152. Dots 230 of adhesive are
placed about and spaced slightly from stored-valued card 10. In one
embodiment, adhesive dots 230 are placed just outside a perimeter
of window aperture 178. In other embodiments, curved or linear
lines or other arrangement of adhesive may be applied to package
backer 152 spaced from and about stored-value card 10.
[0057] Window or layer of generally transparent substrate 154 is
placed over stored-value card 10. In particular, window 154 is
generally planar and defines a first surface 234 and a second
surface 236 opposite first surface 234. With this in mind, window
154 is placed over stored-value card 10 such that first surface 234
interacts with each adhesive dot 230 to secure window 154 to
package backer 152 and, thereby to secure stored-value card 10
between window 154 and package backer 152. In one embodiment,
window 154 is a generally clear vellum or other suitable
material.
[0058] One or more lines of adhesive 240 are placed near top
lateral edge 170 and near bottom lateral edge 172 of package backer
152. In one embodiment, additional adhesive is applied to inside
surface 162 between top lateral edge 170 and window aperture 178
and between bottom lateral edge 172 and background field 222.
Package backer 152 is folded generally in half about perforated
line 164, and top panel 174 is pressed to back panel 176, adhering
inside surface 162 of top panel 174 to inside surface 162 of bottom
panel 176, as illustrated in e.g. FIGS. 6 and 10.
[0059] Once folded, window aperture 178 aligns with and fits over
background field 222 and stored-value card 10. Due to window
aperture 178 and window 154, stored-value card 10 is viewable from
outside packaged card product 150. In one example, a portion of
background field 222 is viewable through window aperture 178 about
stored-value card 10 and/or through aperture 178. Accordingly,
package backer 152 and window 154 are one example of means for
removably supporting stored-value card 10 for display in a retail
setting.
[0060] With the above in mind, account identifier 48 of
stored-value card 10 is also viewable through window 154 of
packaged card product 150. In one embodiment, a scanner or other
reader can access account identifier 48 to activate stored-value
card 10 through window 154. Stored-value card 10 is activated when
a monetary amount is added to the financial account or record
linked to stored-value card 10. In one embodiment, upon the initial
reading of account identifier 48 by a point-of-sale terminal or
other terminal, a preset or customized monetary value is
automatically added to the financial account or record linked to
stored-value card 10. Thus, scanning account identifier 48 through
window 154 illustrates one example of means for activating or
loading value on stored-value card 10 through package backer 152
and window 154.
[0061] Referring to FIG. 11, stored-value card 10 is purchased and
activated in a first retail store or setting 250. Once purchased,
stored-value card 10 can be placed within an electronic device such
as an optical data reader of a computer processing unit 252, which
is remotely positioned with respect to retail store 250. The
electronic device reads data from stored-value card 10 and presents
the software including the interactive activities and/or static
data to the user. Prior to or subsequent to accessing the software
of stored-value card 10, stored-value card 10 is transportable back
to first retail store or setting 250 or to a second remote retail
store or setting 254 to redeem stored-value card 10, more
particularly to redeem the monetary value in the financial account
or record associated with stored-value card 10, for goods and/or
services. In one embodiment, one or both of retail settings 250 and
254 is a store or web site. Stored-value card 10 thus provides (1)
a pre-paid card for purchasing goods and/or services at one or more
retail settings and (2) a software package configured to entertain
and/or educate the user. In one embodiment, providing a software
package also serves to expose the user to additional marketing
messages from the retail setting or related to a product line or
brand.
[0062] FIG. 12 is a flow chart illustrating one embodiment of a
method 260 of using stored-value card 10. At 262, stored-value card
10 is purchased by an original consumer from a retail store, such
as retail store 250. At 264, the consumer optionally gives
stored-value card 10 to a recipient, such as a graduate, a
relative, a friend, expectant parents, one having a recent or
impending birthday, a couple having a recent or impending
anniversary, etc. As an alternative, the original consumer can keep
stored-value card 10 for his or her own use.
[0063] At 266, the original consumer or the recipient, whomever is
in current ownership of stored-value card 10, accesses the card
software as described above. At 268, the current owner of
stored-value card 10 redeems stored-value card 10 for goods and/or
services from retail setting 250 or 254. At 270, the current owner
of stored-value card 10 adds value to stored-value card 10, more
particularly, to the account or record associated with stored-value
card 10, at either retail setting 250 or 254. Upon accessing
software at 266, redeeming stored-value card 10 at 268, or adding
value to stored-value card 10 at 270, the current owner of
stored-value card 10 subsequently can perform any of steps 266,
268, or 270 as desired. In one embodiment, the ability of the
current owner to repeat redeeming stored-value card 10 at 268 is
limited by whether the account or record associated with
stored-value card 10 has any value at the time of redemption.
[0064] FIG. 13 illustrates one embodiment of a user interface 300
including a EULA 362. User interface 300 displays EULA 362, a first
button 364, and a second button 366. EULA 362 includes the terms
for a legal agreement between the user of the software and/or other
data on stored-value card 10 and the provider of the software
product, such as a store, a product retailer, etc.
[0065] In one embodiment, EULA 362 includes one or more of an
introductory section 368, a copyright section 370, a grant of
license section 372, a limitations section 374, a termination
section 376, a warranty disclaimer 378, a limitation of liability
section 380, and a concluding section 382. Introductory section 368
includes an identification of the agreement and a description of
the method of accepting the terms of the agreement. In one example,
introductory section 368 includes a description of the method of
accepting the terms of the agreement indicating that clicking first
button 364, which is an "I ACCEPT" button, indicates user agreement
to the license as described by EULA 362. In this embodiment, second
button 366 is an "I DECLINE" button that is to be selected if a
user does not wish to agree to or enter into the license described
in EULA 362.
[0066] Copyright section 370 identifies that the laws of copyright
applying to the software of stored-value card 10 and that all
copyrights are owned by the card provider, be it a store or other
provider. Grant of license 372 indicates that provisions of the
data and software of stored-value card to the user is by license
rather than by sale, limits the user to the number of copies, if
any, allowed under EULA 362, and generally prohibits user rental of
the software data. Limitations section 374 provides limitations on
the user's use of the software data. For example, in one
embodiment, limitations section 374 prohibits disassembly of the
software data into subparts or components to be installed or
utilized on multiple computers.
[0067] Termination section 376 lays out the ability of the provider
(i.e., store, product provider, etc.) to terminate the license to
the user if the user fails to comply with the terms laid out in
EULA 362. In one embodiment, warranty disclaimer 378 disclaims both
express and implied warranties to the extent permitted by law.
Limitation of liability section 380 describes the damages for which
the provider will not be liable arising out of the user misuse of
or inability to use the software stored on stored-value card 10. In
one embodiment, the limitation of liability section 380
additionally limits the total liability.
[0068] In one embodiment, concluding section 378 states that EULA
362 constitutes the entire agreement, thereby, disallowing the
incorporation of other references into the license; that if any
provision is unenforceable, that provision alone should be modified
only by the extent necessary to bring it within the law while
upholding other provisions of the agreement; a clarification of the
scope of waiver of any individual breech of the agreement; a
description of available remedies; an election of applicable law
and jurisdiction; and/or a designation of contact should the user
have any questions regarding EULA 362.
[0069] If the user selects second button 366, the user declines to
enter into EULA 362 and the user will be blocked from accessing any
additional software and/or data stored on stored-value card 10. If
the user selects first button 364, the user accepts and enters into
EULA 362 with the provider and is allowed to access the other
software and/or data stored on stored-value card 10.
[0070] Stored-value cards come in many forms, according to
embodiments of the invention. The stored-value card, like other
gift cards, can be "recharged" or "reloaded" at the direction of
the original consumer, the gift recipient, or a third party. The
term "loading on" or "loaded on" a card herein should be
interpreted to include adding to the balance of a financial account
or record associated with the stored-value card. The balance
associated with the stored-value card declines as the stored-value
card is used, encouraging repeat visits. The card remains in the
user's purse, wallet, or near a user's computer, serving as an
advertisement or reminder to re-visit the associated merchant at a
retail store or website. Stored-value cards according to
embodiments of the invention provide a number of advantages to both
the consumer and the merchant or retail store. Other stored-value
cards in the realm of the present 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.
[0071] 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 changes will be apparent to those of
ordinary skill in the art. For example, stored-value cards
optionally are virtual or electronic cards accessible on a
retailer's website, other Internet location, kiosk, or elsewhere
for electronic transfers. Other modifications within the scope of
the invention in its various embodiments will be apparent to those
of ordinary skill.
* * * * *