The invention relates to a method and process by which an existing and large network of
devices can be used by consum ers to authenticate themselves, and permits each consumer …

A system of accessing through a financial processing network multiple accounts associated
with a single financial card. Data is input to the financial network in addition to the …

According to one embodiment, the present invention relates to a method and a system for
implementing a card product or access mechanism with multiple relationships with an …

US7401731B1 - Method and system for implementing a card product with multiple
customized relationships - Google Patents US7401731B1 - Method and system for …

(57) ABSTRACT A system and method for providing promotional rewards is provided. First, a
promotional reward is communicated to a customer. The promotional reward offer comprises …

(57) 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 …

(60) Division of application No. 10/370.227, filed on Feb. 20, 2003, now Pat. No. 7,072,864,
which is a division The Customer Activated Multi-Value (CAM) card provides a of application …

0002 Instant Messaging (IM) is a growing market across a wide cross section of persons. For
example, teenagers IM more than they e-mail. The “below 25'age groups are major IMUsers …

4,725,719 A 2/1988 Oncken et a1.............. 235/487 5,401,827 A 3/1995 Holmes et 31,
4,746,787 A 5/1988 SlltO et 61 RE34, 915 E 4/1995 Nichtberger et al. 4,750,036 A 6/1988 …

The invention provides a currency selectable stored value instrument, whose currency may
be chosen or converted at the time value is loaded, after load but prior to redemption of …