Clare A Reilly

US Patent:

20090299844, Dec 3, 2009

Filed:

May 29, 2009

Appl. No.:

12/474424

Inventors:

Clare Reilly - Cincinnati OH, US
David McCreadie - Terrace Park OH, US

Assignee:

KROGER PERSONAL FINANCE - Cincinnati OH

International Classification:

G06Q 30/00
G06K 19/00
G06Q 40/00
G06Q 50/00

US Classification:

705 1427, 235487, 705 1434, 705 30, 705 41

Abstract:

A reloadable prepaid electronic transaction card is provided that is tied either electronically or physically with a loyalty program, a bonus point program or reward program. The card includes machine readable indicia thereon that allows the card to be linked with a cash balance that resides on the card itself or in an account that is tied to the card. Another feature of the transaction card is that it is tied either electronically or physically to a loyalty program. In one embodiment the card is a reloadable prepaid electronic transaction card that both allows the customer to complete a purchase transaction without the need for cash while also including a customer loyalty code. In another embodiment, the card is tied to a points or bonus rewards system. In a further embodiment, the reloadable prepaid electronic transaction card is used to provide rebates for purchases, such as fuel purchases.

US Patent:

20090283594, Nov 19, 2009

Filed:

May 19, 2009

Appl. No.:

12/468502

Inventors:

Gretchen Walton - Maineville OH, US
Clare Reilly - Cincinnati OH, US
Gregg Cosco - Loveland OH, US

International Classification:

G06F 17/00

US Classification:

235383

Abstract:

A method for bundling the activation and sale of gift cards is provided whereby a plurality of gift cards is packaged together into a multi-pack that is then purchased and activated in a single transaction. In this manner, electronic transaction cards are bundled such that there is more than one card in a single package. The customer is then presented with a variety of the electronic transaction card multi-packs for consideration and purchase. Upon making their selection, the customer takes the multi-pack to a cashier to complete a traditional checkout and purchase operation. The cards are then bulk activated at an activation terminal. This allows a person purchasing a multi-pack, for example to purchase three $25.00 gift cards for their face value plus one activation fee and then distribute each of those cards to a different individual as a gift.