Customer activated multi-value (CAM) card
November 17, 2018. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.Patent ReferencesRestricted purpose, commercial, monetary regulation method Purchasing system with rebate feature System and method for administration of incentive award program through use of credit Method and device for simplifying the use of a plurality of credit cards, or the like System for promoting account activity Fraud protection for card transactions Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner Monitoring of charges debited to an account having an assigned limit Method and apparatus for facilitating the making of card calls Data processing methods of implementing an award to an authorized user of a credit card InventorsApplicationNo. 193712 filed on 11/17/1998US Classes:705/41, Having programming of a portable memory device (e.g., IC card, "electronic purse")235/380, Credit or identification card systems705/14, Distribution or redemption of coupon, or incentive or promotion program705/35, Finance (e.g., banking, investment or credit)705/39, Including funds transfer or credit transaction705/42Remote banking (e.g., home banking)ExaminersPrimary: Trammell, James P.Assistant: Nguyen, Hoang Attorney, Agent or FirmInternational ClassG06F 017/60AbstractThe Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA.RTM., MASTERCARD.RTM., AMERICAN EXPRESS.RTM., or DISCOVER.RTM.. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.Other References
Field of SearchCredit authorizationCaller identification received at substation Message storage in centralized location (e.g., central office, PBX, etc.) Banking systems Credit or identification card systems Distribution or redemption of coupon, or incentive or promotion program Finance (e.g., banking, investment or credit) Having programming of a portable memory device (e.g., IC card, "electronic purse") Requiring authorization or authentication Remote banking (e.g., home banking) | |
