Patent US27899A successfully refreshed from Google Patents.
Patent US6032136A successfully refreshed from Google Patents.
US6032136A
Expired / Lapsed
US
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Customer activated multi-value (CAM) card
Assignee: JPMorgan Chase Bank NA
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Filing: 1998-11-17
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Granted: 2000-02-29
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Expires: 2018-11-17
Abstract
Abstract The 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®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. 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.
Inventors
- 👤 Francis B. Brake, Jr.
- 👤 Deborah Schwartz
- 👤 Jennifer Zimmerman
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-30 17:09
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/108; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/342; G06Q20/355; G06Q20/357; G06Q20/3572; G06Q20/3574; G06Q20/36; G06Q20/363; G06Q20/38; G06Q20/40; G06Q20/403; G06Q20/4037; G06Q30/00; G06Q30/02; G06Q30/0207; G06Q30/06; G06Q30/0601; G06Q40/00; G06Q40/03; G07F7/02; G07F7/025; G07F7/10; G07F7/1008
Claims Analysis
Total Claims: 18
Claim 1
Independent Claim
254 words
A method of using a computer system for a real-time customer activation of a multi-feature card having a primary feature and at least one secondary feature, the primary feature functioning as a stored value card feature and the at least one secondary feature functioning as a credit card feature, wherein the system automatically processes a customer's activation of the card, said system including a data entry processing center, a workstation, a graphical user interface, and a data storing means; comprising the steps of: a) offering to the customer a first activation of the multi-feature card as a primary transaction card having the primary feature; b) receiving the customer's request into said system to activate the primary feature of the primary transaction card; c) employing at least one safety feature during the first activation request to determine whether the customer is the person whose name is printed on the primary transaction card; and d) offering the customer an option of activating the primary transaction card by: 1) confirming the customer's desire to activate the primary feature; 2) activating the primary feature, if the consumer confirms the first activation; 3) terminating the first activation request; 4) allowing the consumer to use the multi-feature card as a primary transaction card having only the primary feature; e) offering to the customer a subsequent activation of the multi-feature card that determines the customer's election to add the at least one secondary feature onto the primary transaction card; and f) determining the customer's request to activate any additional use features.
Claim 2
Independent Claim
254 words
A method of using a computer system for a real-time customer activation of a multi-feature card having a primary feature and at least one secondary feature, the primary feature functioning as a stored value card feature and the at least one secondary feature functioning as a credit card feature, wherein the system automatically processes a customer's activation of the card, said system including a data entry processing center, a workstation, a graphical user interface, and a data storing means; comprising the steps of: a) offering to the customer a first activation of the multi-feature card as a primary transaction card having the primary feature; b) receiving the customer's request into said system to activate the primary feature of the primary transaction card; c) employing at least one safety feature during the first activation request to determine whether the customer is the person whose name is printed on the primary transaction card; and d) offering the customer an option of activating the primary transaction card by: 1) confirming the customer's desire to activate the primary feature; 2) activating the primary feature, if the consumer confirms the first activation; 3) terminating the first activation request; 4) allowing the consumer to use the multi-feature card as a primary transaction card having only the primary feature; e) offering to the customer a subsequent activation of the multi-feature card that determines the customer's election to add the at least one secondary feature onto the primary transaction card; and f) determining the customer's request to activate any additional use features.
Claim 3
Dependent Claim
50 words
The method of claim 1 wherein the primary feature and the at least one secondary feature perform different types of card functions and the use of the primary feature and the at least one secondary feature enables the customer to establish different relationships with different types of businesses and industries.
Claim 4
Dependent Claim
14 words
The method of claim 1 wherein the additional use features has a rewards feature.
Claim 5
Dependent Claim
18 words
The method of claim 3 wherein the rewards feature can be redeemed or spent at a specific vendor.
Claim 6
Dependent Claim
18 words
The method of claim 3 wherein the rewards feature can be redeemed or spent at several different vendors.
Claim 7
Dependent Claim
28 words
The method of claim 3 wherein the rewards feature can be redeemed or spent at any vendor or merchant who accepts the logo printed on the transaction card.
Claim 8
Dependent Claim
29 words
The method of claim 3 wherein the rewards feature is used as a credit against the at least one secondary feature to reduce the balance of the secondary feature.
Claim 9
Dependent Claim
27 words
The method of claim 1 wherein the customer must agree to establish a credit account with a payment amount source in order to activate the primary feature.
Claim 10
Dependent Claim
13 words
The method of claim 8 wherein the payment amount source is a check.
Claim 11
Dependent Claim
14 words
The method of claim 8 wherein the payment amount source is a credit card.
Claim 12
Dependent Claim
14 words
The method of claim 8 wherein the payment amount source is a debit card.
Claim 13
Dependent Claim
25 words
The method of claim 8 wherein the payment amount source is at least one of a check, a credit card account and debit card account.
Claim 14
Dependent Claim
22 words
The method of claim 8 wherein the customer may automatically recharge the primary feature amount source when the payment source is depleted.
Claim 15
Dependent Claim
21 words
The method of claim 8 wherein the customer may recharge the primary feature amount source when the payment source is depleted.
Claim 16
Dependent Claim
17 words
The method of claim 8 wherein the payment amount source is the at least one secondary feature.
Claim 17
Independent Claim
242 words
A method of using a computer system for a real-time customer activation of a multi-feature card having a primary feature and at least one secondary feature, the primary feature functioning as a stored value card feature and the at least one secondary feature functioning as a credit card feature, wherein the system automatically processes a customer's activation of the card, said system including a data entry processing center, a workstation, a graphical user interface, and a data storing means; comprising the steps of: a) offering to the customer a first activation of the multi-feature card as a primary transaction card having the primary feature; b) receiving the customer's request into said system to activate the primary feature of the primary transaction card; c) employing at least one safety feature during the activation request to determine whether the customer is the person whose name is printed on the primary transaction card; and d) offering the customer the options of activating the primary transaction card by: 1) confirming the customer's desire to activate the primary feature; 2) activating the primary feature, if the consumer confirms the first activation; 3) terminating the first activation request; 4) allowing the consumer to use the multi-feature card as a primary transaction card having only the primary feature; and e) offering to the customer a subsequent activation of the multi-feature card that determines the customer's election to add the at least one secondary feature onto the primary transaction card.
Claim 18
Independent Claim
242 words
A method of using a computer system for a real-time customer activation of a multi-feature card having a primary feature and at least one secondary feature, the primary feature functioning as a stored value card feature and the at least one secondary feature functioning as a credit card feature, wherein the system automatically processes a customer's activation of the card, said system including a data entry processing center, a workstation, a graphical user interface, and a data storing means; comprising the steps of: a) offering to the customer a first activation of the multi-feature card as a primary transaction card having the primary feature; b) receiving the customer's request into said system to activate the primary feature of the primary transaction card; c) employing at least one safety feature during the activation request to determine whether the customer is the person whose name is printed on the primary transaction card; and d) offering the customer the options of activating the primary transaction card by: 1) confirming the customer's desire to activate the primary feature; 2) activating the primary feature, if the consumer confirms the first activation; 3) terminating the first activation request; 4) allowing the consumer to use the multi-feature card as a primary transaction card having only the primary feature; and e) offering to the customer a subsequent activation of the multi-feature card that determines the customer's election to add the at least one secondary feature onto the primary transaction card.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-02-28 | 2003-08-30 | 2004-02-29 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-02-28 | 2007-08-30 | 2008-02-29 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-02-28 | 2011-08-30 | 2012-02-29 | $7700.00 | Window Closed / Lapsed |