WO2025166019A1 - Greeting card with removable user device - Google Patents

Abstract

A greeting card includes a substrate. The substrate comprises a first layer, a second layer attached to the first layer, a first portion, and a second portion separated from the first portion by a perforation line in the substrate. The second portion is in the same plane as the first portion, and the second portion comprises a section of the first layer and a section of the second layer. The greeting card further comprises a contactless element disposed between the section of the first layer and the section of the second layer.

Description

PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 GREETING CARD WITH REMOVABLE USER DEVICE CROSS-REFERENCES TO RELATED APPLICATIONS [0001] This is an international application of and claims benefit under 35 USC§ 119(e) to U.S. Provisional Patent Application No.63/548,754 filed February 1, 2024, the disclosure of which is incorporated by reference herein in its entirety for all purposes. BACKGROUND [0002] Greeting cards are often given with an enclosed gift such as a gift card. An individual will obtain both a greeting card and a gift card, and then insert the gift card into the greeting card. Problematically, the gift card be may prone to falling out of the greeting card and being lost or unrecognized. Also, the individual may have to remember to perform multiple tasks, and may forget to obtain or insert the gift. Additionally, some gifts may be made of plastic, which may have limited visual design options and can be difficult to decorate and customize. [0003] Embodiments of the disclosure address this problem and other problems individually and collectively. SUMMARY [0004] One embodiment of the invention includes a greeting card comprising a substrate. The substrate comprises a first layer, a second layer attached to the first layer, a first portion, and a second portion separated from the first portion by a perforation line in the substrate. The second portion is in the same plane as the first portion, and the second portion comprises a section of the first layer and a section of the second layer. The greeting card further comprises a contactless element between the section of the first layer and the section of the second layer. [0005] Another embodiment of the invention includes a method comprising: obtaining a first layer; obtaining a second layer; and creating a greeting card comprising a substrate comprising the first layer, the second layer, and a first portion and a second portion in the same plane and separated by a perforation line in the 1 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 substrate, the second portion comprising a section of the first layer and a section of the second layer. The greeting card further comprises a contactless element between the section of the first layer and the section of the second layer. [0006] Another embodiment of the invention includes a method comprising: obtaining a greeting card comprising a substrate comprising a first layer, a second layer, and a first portion and a second portion in the same plane and separated by a perforation line in the substrate, the second portion comprising a section of the first layer and a section of the second layer, and the greeting card further comprising a contactless element disposed between the section of the first layer and the section of the second layer; separating the first portion from second portion by tearing the perforation line; and after separating, presenting, by the user, to an access device, the second portion, wherein the contactless element in the second portion transmits data to the access device. [0007] Another embodiment of the invention includes a method comprising: receiving, by a computing device, from a user, a selection of a printable design; and transmitting, by the computing device, the printable design to a printer, thereby causing the printer to print the printable design onto a card to form a greeting card, the card comprising a substrate comprising a first layer, a second layer, and a first portion and a second portion in the same plane and separated by a perforation line in the substrate, the second portion comprising a section of the first layer and a section of the second layer, and the card further comprising a contactless element disposed between the section of the first layer and the section of the second layer. [0008] Further details regarding embodiments of the invention can be found in the Detailed Description and the Figures. BRIEF DESCRIPTION OF THE DRAWINGS [0009] FIG. 1 shows a perspective view of a greeting card according to embodiments of the invention. [0010] FIG.2 shows of a cross section of a greeting card with an alternatively shaped second portion according to embodiments of the invention. 2 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 [0011] FIG.3 shows a flow diagram illustrating a method for manufacturing a card according to embodiments of the invention. [0012] FIG. 4 shows an example of a system for processing a transaction according to embodiments of the invention. [0013] FIG.5 shows an example of a system for customizing a greeting a card according to embodiments of the invention. [0014] FIG. 6 shows a flow diagram illustrating a method for customizing a greeting a card according to embodiments of the invention DETAILED DESCRIPTION [0015] Embodiments of the present invention include a greeting card that includes an integrated and removable user device. The greeting card and user device can be manufactured together at the same time from the same materials (e.g., paper). [0016] In some embodiments, the greeting card contains a portion that can contain a chip. The portion can be attached to the rest of the greeting card via a perforation. The recipient of the greeting card can separate the portion by tearing the perforation. Once separated, the portion can be a user device that the recipient of the greeting card can use to obtain resources (e.g., goods, services, secure data, secure locations, etc.). The portion can include a memory and contactless element, thereby allowing it to function like a contactless card (e.g., a contactless payment card). Thus, unlike conventional greeting cards and gift cards, embodiments can include a greeting card that incorporates a gift card as a portion of the greeting card. [0017] Prior to discussing embodiments of the invention, some terms can be described in further detail. [0018] A “user” may include an individual or a computing device. In some embodiments, a user may be associated with one or more personal accounts and/or user devices. In some embodiments, the user may be a cardholder, account holder, or consumer. 3 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 [0019] A “user device” may be a device used by a user. A user device can be used by the user to gain access to a resource such as goods, services, secure data, or secure locations. A user device can be in the form of a card such as a smart card. Specific examples of user devices can include access badges, transit fare cards, payment cards such as credit, debit, and prepaid card, loyalty cards, ID cards such as driver’s licenses, etc. [0020] A “computing device” may be any suitable electronic device that can process and communicate information to other electronic devices. The computing device may include a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor. The computing device may also each include an external communication interface for communicating with each other and other entities. Examples of computing devices may include user devices, access devices, mobile devices, auxiliary devices, server computers, resource provider computers, processing network computers, authorizing entity computers, transport computers, token provider computers, and the like. [0021] A “mobile device” may comprise any suitable electronic device that may be transported and operated by a user, which may also provide remote communication capabilities to a network. A mobile device such as a mobile communication device may communicate using a mobile phone (wireless) network, wireless data network (e.g., 3G, 4G or similar networks), Wi-Fi, Bluetooth, Bluetooth Low Energy (BLE), Wi-Max, or any other communication medium that may provide access to a network such as the Internet or a private network. Examples of mobile devices include mobile phones (e.g., cellular phones), PDAs, tablet computers, net books, laptop computers, wearable devices (e.g., a watch, earpiece, rings, bracelets, glasses), vehicles such as automobiles and motorcycles, personal music players, hand-held specialized readers, etc. A mobile device may comprise any suitable hardware and software for performing such functions, and may also include multiple devices or components (e.g., when a device has remote access to a network by tethering to another device - i.e., using the other device as a modem – both devices taken together may be considered a single mobile device). The mobile device may 4 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 include one or more processors capable of processing user input. The mobile device may also include one or more input sensors for receiving user input. There are a variety of input sensors capable of detecting user input, such as accelerometers, cameras, microphones, etc. The user input obtained by the input sensors may be from a variety of data input types, including, but not limited to, audio data, visual data, or biometric data. [0022] “Short range wireless communication” may comprise any communication between two devices that are in proximity to each other. Examples of short range communication protocols can include RFID, Bluetooth^TM, infra-red, Wi-Fi or the like. In some embodiments, short range wireless communications may be in conformance with a standardized protocol or data transfer mechanism (e.g., ISO 14443/NFC). Short range communication typically comprises communications between devices that are less than 2 meters, 1 meter, or 10, 5, or 1 cm apart. [0023] An “interaction” may include a reciprocal action or influence. An interaction can include a communication, contact, or exchange between parties, devices, and/or entities. Example interactions include a transaction between two parties and a data exchange between two devices. In some embodiments, an interaction can include an identity interaction in which two devices interact to authenticate an identity. In some embodiments, an interaction can include a payment transaction in which two devices can interact to facilitate a payment. [0024] “Interaction data” can include data related to and/or recorded during an interaction. In some embodiments, interaction data can be transaction data or network data. Transaction data can comprise a plurality of data elements with data values. [0025] "Access data" may include any suitable data that can be used to access a resource or create data that can access a resource. In some embodiments, access data may be account information for a payment account. Account information may include a credential such as a PAN, a token such as a payment token, expiration date, card verification values (e.g., CVV, CVV2), dynamic card verification values (dCVV, dCVV2), an identifier of an issuer with which an 5 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 account is held, etc. In other embodiments, access data could include data that can be used to access a location or to access secure data. Such information may be ticket information for an event, data to access a building, transit ticket information, passwords, biometrics or other credentials to access secure data, etc. [0026] “Credentials” may comprise evidence of authority, rights, ownership, worth, or entitlement to privileges. For example, access credentials may comprise permissions to access certain tangible or intangible assets, such as a building or a file. Examples of credentials may include passwords, account numbers, passcodes, secret messages, and/or any suitable string of such as a string of numbers, letters, or any other suitable characters. [0027] “Payment credentials” may include any suitable information associated with an account (e.g., a payment account and/or payment device associated with the account). Such information may be directly related to the account or may be derived from information related to the account. Examples of account information may include a PAN (primary account number or “account number”), username, expiration date, CVV (card verification value), dCVV (dynamic card verification value), CVV2 (card verification value 2), CVC3 card verification values, etc. CVV2 is generally understood to be a static verification value associated with a payment device. CVV2 values are generally visible to a user (e.g., a consumer), whereas CVV and dCVV values are typically embedded in memory or authorization request messages and are not readily known to the user (although they are known to the issuer and payment processors). Payment credentials may be any information that identifies or is associated with a payment account. Payment credentials may be provided to make a payment from a payment account. Payment credentials can also include a username, an expiration date, a gift card number or code, and any other suitable information. [0028] A “user account” may include a record associated with an individual or organization at an account provider. Examples of a user account include a payment account, an access account, a secure data account, a membership account, a 6 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 mobile network account, an identity account, or any other suitable type of account. A user account may be associated with one or more user devices. [0029] A “payment account” may include a user account that is usable for making payments. Examples of a payment account include a credit card account, a bank account such as a checking account or savings account, a prepaid account, or any other suitable account associated with payments. In some embodiments, a payment account may be associated with one or more portable devices. A payment account may be identifiable based on payment account information, such as payment credentials. A payment account may include a stored value such as a dollar amount. [0030] An “authorization request message” may be an electronic message that requests authorization for a transaction. In some embodiments, it is sent to a payment processing network and/or an issuer of a payment account to request authorization for a payment transaction. An authorization request message according to some embodiments may comply with ISO 8583, which is a standard for systems that exchange electronic transaction information associated with a payment made by a consumer using a payment device or a payment account. An authorization request message may also comprise additional data elements corresponding to “identification information” including, for example, a service code, a CVV (card verification value), a dCVV (dynamic card verification value), an expiration date, etc. An authorization request message may also comprise “transaction data,” such as any information associated with a current transaction (e.g., the transaction amount, merchant identifier, merchant location, etc.), as well as any other information that may be utilized in determining whether to identify and/or authorize a payment transaction. [0031] An “authorization response message” may be reply to an authorization request message. In some embodiments, an authorization response message may be an electronic message reply to an authorization request message generated by an issuing financial institution (i.e., issuer) or a payment processing network. An authorization response message according to some embodiments may comply with 7 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 ISO 8583, which is a standard for systems that exchange electronic transaction information associated with a payment made by a consumer using a payment device or a payment account. The authorization response message may include an authorization code, which may be a code that an account issuing bank returns in response to an authorization request message in an electronic message (either directly or through the payment processing network) to a merchant's access device (e.g., point of sale terminal) that indicates approval of the transaction. The code may serve as proof of authorization. As noted above, in some embodiments, a payment processing network may generate and/or forward the authorization response message to the merchant. [0032] An “authorization computer” or “authorizing entity computer” may include any system involved in authorization of a transaction. The authorization computer may determine whether a transaction can be authorized and may generate an authorization response message including an authorization status (also may be known as an authorization decision). In some embodiments, an authorization computer may be a payment account issuer computer. In some cases, the authorization computer may store contact information of one or more users. In other embodiments, the authorization computer may authorize non-financial transactions involving a user. For example, the authorization computer may make an authorization decision regarding whether the user can access a certain resource. In some cases, the authorization computer may be a content provider server computer associated with a content providing entity, which manages one or more resources that may be accessed by the user. [0033] A “network processing computer” or a “processing computer” may include a server computer used for interaction processing. In some embodiments, the network processing computer may be coupled to a database and may include any hardware, software, other logic, or combination of the preceding for servicing the requests from one or more client computers or user devices. The network processing computer may comprise one or more computational apparatuses and may use any of a variety of computing structures, arrangements, and compilations for servicing the requests from one or more client computers or user devices. In some 8 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 embodiments, the network processing computer may operate multiple server computers. In such embodiments, each server computer may be configured to process an interaction for a given region or handles transactions of a specific type based on interaction data. [0034] The network processing computer may include data processing subsystems, networks, and operations used to support and deliver authorization services, exception file services, and clearing and settlement services. An exemplary network processing computer may include VisaNet™. Networks that include VisaNet™ are able to process credit card transactions, debit card transactions, and other types of commercial transactions. VisaNet™, in particular, includes an integrated payments system (Integrated Payments system) which processes authorization requests and a Base II system, which performs clearing and settlement services. The network processing computer may use any suitable wired or wireless network including the Internet. [0035] A “resource provider” may be an entity that can provide a resource such as goods, services, information, and/or access. Examples of resource providers includes merchants, data providers, transit agencies, governmental entities, venue and dwelling operators, etc. A “merchant” may typically be an entity that engages in transactions and can sell goods or services, or provide access to goods or services. [0036] An “authorizing entity” may be an entity that authorizes a request. Examples of an authorizing entity may be an issuer, a governmental agency, a document repository, an access administrator, etc. An authorizing entity may operate an authorizing entity computer. An “issuer” may refer to a business entity (e.g., a bank) that issues and optionally maintains an account for a user. An issuer may also issue payment credentials stored on a user device, such as a cellular telephone, smart card, tablet, or laptop to the consumer, or in some embodiments, a portable device. [0037] An “access device” may be any suitable device that provides access to a resource. An access device may be in any suitable form. Some examples of access devices include an energy supply terminal (e.g., an electric charger at a 9 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 charging station), gasoline pumps, vending machines, kiosks, POS or point of sale devices (e.g., POS terminals), cellular phones, PDAs, personal computers (PCs), tablet PCs, hand-held specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), and the like. An access device may use any suitable contact or contactless mode of operation to send or receive data from, or associated with, a user communication device. In some embodiments, an access device may include a reader, a processor, and a computer-readable medium. A reader may include any suitable contact or contactless mode of operation. For example, exemplary readers can include contactless readers (e.g., radio frequency (RF) antennas), contact chip readers, optical scanners, bar code readers, or magnetic stripe readers to interact with a user device and/or mobile device. [0038] A “processor” may include a device that processes something. In some embodiments, a processor can include any suitable data computation device or devices. A processor may comprise one or more microprocessors working together to accomplish a desired function. The processor may include a CPU comprising at least one high-speed data processor adequate to execute program components for executing user and/or system-generated requests. The CPU may be a microprocessor such as AMD's Athlon, Duron and/or Opteron; IBM and/or Motorola's PowerPC; IBM's and Sony's Cell processor; Intel's Celeron, Itanium, Pentium, Xeon, and/or XScale; and/or the like processor(s). [0039] A “memory” may be any suitable device or devices that can store electronic data. A suitable memory may comprise a non-transitory computer readable medium that stores instructions that can be executed by a processor to implement a desired method. Examples of memories may comprise one or more memory chips, disk drives, etc. Such memories may operate using any suitable electrical, optical, and/or magnetic mode of operation. [0040] A “server computer” may include a powerful computer or cluster of computers. For example, the server computer can be a large mainframe, a minicomputer cluster, or a group of servers functioning as a unit. In one example, the 10 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 server computer may be a database server coupled to a Web server. The server computer may comprise one or more computational apparatuses and may use any of a variety of computing structures, arrangements, and compilations for servicing the requests from one or more client computers. [0041] An example greeting card 100 can be described with respect to both FIG. 1 and FIG. 2. FIG. 1 shows a perspective view of a greeting card 100 according to an embodiment of the invention. FIG.2 shows a cross-sectional view of the greeting card 100 in FIG.1 along the line A-A. [0042] The greeting card 100 can convey any appropriate sentiment and can be used to any suitable purpose. Examples of greeting cards can include birthday cards, an anniversary cards, congratulatory cards (e.g., retirement, birth of a child, etc.), or the like. [0043] The greeting card 100 can include a substrate 103, a perforation 104 in the substrate 103, and/or a contactless element 107. The greeting card 100 can also include a memory 106 electrically coupled to the contactless element 107, a decoration 108, a machine-readable code 109, and/or any other suitable elements. [0044] The contactless element 107 can comprise an antenna and any associated electronic circuitry (e.g., an RFID chip) which allows the contactless element 107 to wirelessly transmit and receive electronic signals. The memory 106 may be a memory chip such as a ROM, EEPROM or the like, and may store a credential or other access data that can be transmitted using the contactless element 107. [0045] The substrate 103 can take any suitable shape. For example, the greeting card 100 can be rectangular sheet and/or folded into two halves. The greeting card 100 can also have any suitable size, such as 4.25" x 5.5" (referred to as size A-2), 4.5" x 6.25" (referred to as size A-6), 4.875" x 3.375" (referred to as size 4-bar), or 5" x 7" (referred to as size A-7). [0046] The substrate 103 can include one or more layers of any suitable materials. For example, the substrate 103 can include paper, plastic, or the like. 11 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 Paper may be suitable for a person to write and/or print additional custom information onto the greeting card 100 at a later time (e.g., after manufacturing or purchasing), such as a personal message, an amount description, a company logo, a name, an occasion, a decoration style or other design. [0047] One example type of high-quality paper is card stock, also called cover stock or pasteboard. Card stock is thicker and more durable than typical writing and printing paper, but thinner and more flexible than other forms of paperboard. The weight of cardstock can range from about 135 grams per square meter to about 300 grams per square meter. [0048] As shown in FIG.2, the substrate 103 can include a first layer 131 and a second layer 132. The first layer 131 can be attached to the second layer 132 using an adhesive 139. [0049] As shown in both FIG.1 and FIG.2, the substrate 103 can include both a first portion 101 of the substrate and a second portion 102 of the substrate. The second portion 102 can be separated from, and detachably coupled to, the first portion 101 by the perforation line 104 in the substrate 103. In other words, the perforation line 104 can serve as a division within the substrate 103 that provides a boundary between the first portion 101 and the second portion 102. In some embodiments, the second portion 102 may be surrounded by and/or enclosed within the perforation line 104 and/or the first portion 101. [0050] The perforation line 104 can form any suitable configuration and shape. For example, the perforation line 104 can form a rectangular shape as shown in FIG. 1. Other shapes can include circles, hearts, parallelepipeds, squares, etc. The shapes can be symmetrical or asymmetrical. The size and dimensions of the second portion 102 portion formed by the perforation line 104 can also vary. In one example, the second portion 102 may have a horizontal width of 85.6 millimeters and a vertical height of 54 millimeters. In some embodiments, the second portion 102 can be in the form of a card such as a payment card, gift card, or the like. [0051] In some embodiments, the perforation line 104 may not form a complete loop or enclosed shape. Instead, the perforation line 104 may connect to 12 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 the edge of the greeting card 100, such that an edge or side of the second portion 102 includes an edge of the greeting card 100. [0052] According to embodiments, the second portion 102 can have the same or similar materials, construction, and/or any other suitable similar qualities to the first portion 101. For example, the second portion 102 may have a same or similar thickness as the first portion 101. The second portion 102 may have the same type and/or number of layers as the first portion 101. The second portion 102 may generally be in the same plane as the first portion 102. [0053] As shown in FIG.2, the perforation line 104 can be present in the first layer 131 and the second layer 132. As a result, each layer can be divided into different sections. The first layer 131 can include a corresponding first section 135 and a corresponding second section 136. The second layer 132 can also include a corresponding first section 137 and a corresponding second section 138. [0054] Each of the first portion 101 and the second portion 102 can comprise a section of the first layer 131 and a section of the second layer 132. As shown in FIG.2, the first portion 101 can include both the first section 135 of the first layer 131 and the first section 137 of the second layer 132. The second portion 102 can include both the second section 136 of the first layer 131 and the second section 138 of the second layer 132. [0055] As discussed below, the substrate 103 may initially be flat (e.g., in a single plane) during manufacturing. As a part of manufacturing or at a later time, the substrate 103 may be folded (e.g., in half) to create a crease, the crease defining two pages of the greeting card. [0056] The greeting card 100 can include any suitable displayed information, such as images, written messages, and/or decorations. For example, decoration 108 can include one or more decorative images and/or printed greeting card messages. The greeting card 100 may also include blank space upon which additional information can be written and/or printed at a later time. 13 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 [0057] According to embodiments, the second portion 102 can be a user device 105 when it is separated from the first portion 101. The user device 105 can include the memory 106 and/or a contactless element 107. They may be enclosed between the first and second layers 131, 132 of the substrate 103. As shown in FIG. 2, the contactless element 107 may be disposed between the second section 136 of the first layer 131 and the second section 138 of the second layer 132. [0058] To execute an access transaction, the memory 106 can provide access data (e.g., credentials) to an access device (e.g., in conjunction with the contactless element 107 or electrical contacts). Additionally, the memory 106 can include instructions, executable by a processor, for generating a cryptogram. The cryptogram can be generated based on a key. For example, the key can be used to encrypt or otherwise generate an output based on inputs of the access data, a counter value, a timestamp, an access device identifier received from an access device, and/or any other suitable information. The memory 106 may include and/or take the form of a hardware security module (HSM) that safeguards and manages secrets, such as keys. [0059] The contactless element 107, which can be present on or embedded within the second portion 102, may include any suitable type of wireless transceiver, such as an antenna. In some embodiments, the contactless element 107 conforms to the ISO/IEC 14443 standard. The contactless element 107 can be electrically connected to the memory 106 so that the memory 106 can communicate with external devices via the contactless element 107. The contactless element 107 enables the user device 105 to communicate with the access device through over- the-air communications (e.g., short range wireless communications) with a contactless reader at the access device. [0060] The contactless element 107 may be an antenna in the form of a single-turn coil, in some embodiments. In one example, the coil is rectangular with a width of 72 millimeters and a height of 42 millimeters. Embodiments allow the coil dimensions to vary in any suitable manner. For example, the coil can be larger if allowed by the size of the user device 105, or smaller if required by the size of the 14 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 user device 105. As shown, in some embodiments, the contactless element 107 may encircle the memory 106. The contactless element 107 may thereby utilize more of the available width of the user device 105 so that a coil with a rectangular width of 72 millimeters can fit on a user device 105 width of 85.6 millimeters. [0061] The user device 105 can include any suitable displayed information, such as images, data, written messages, and/or decorations. Information can be displayed through printing, embossing, otherwise visually displayed. The user device 105 can also include blank space, upon which additional information can be written and/or printed at a later time. In some embodiments, the user device 105 is entirely blank in order to accommodate future customization. [0062] Displayed information on the user device 105 can include a type 121. A type 121 can indicate a type of user device associated with the user device 105. For example, in some embodiments, the type 121 can include the words “gift card” or any other suitable indication of a gift card type. [0063] The user device 105 can also include a name 122. The name 122 can indicate a name or title of an organization, group, network, individual, business, and/or any other suitable entity associated with the user device 105. For example, in some embodiments, the name 122 can include words and/or images associated with an entity that can process or authorize transactions for the user device 105, such as an entity operating a processing computer and/or an authorizing entity computer. [0064] The user device 105 can include a symbol 123. The symbol 123 can indicate, for example, a communication capability or other technology associated with the user device 105, such as a contactless symbol associated with contactless communication capabilities. [0065] The user device 105 can include credentials 124. According to embodiments, a user can write or print credentials onto the user device 105 after acquiring the greeting card 100. [0066] The user device 105 and/or greeting card 100 may be associated with an account such as an access data account, prepaid account or a stored value 15 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 account. The memory 106 can store credentials that identify the account and can be provided to use the account to conduct a transaction. If the account is a prepaid account, it can include a stored value (e.g., $10, $50, or $100). The stored value can be activated or attributed to the account when the greeting card 100 is purchased, or when the user takes a specific action (e.g., make a phone call or log into a Website) to activate the account. [0067] In other embodiments, the prepaid account can have a customizable amount. For example, a user can set a custom amount to load onto the prepaid account and/or a funding source from which to draw the amount. To load funds onto the prepaid account, the user can use a mobile device (or other computing device) to scan a machine-readable code 109 (e.g., barcode or QR code) included on the greeting card 100. According to embodiments, the machine-readable code 109 can be printed on the first portion 101 or the second portion 102. The machine-readable code 109 can include an account identifier (which may be the same as the credentials, different than the credentials, and/or non-transactable) that identifies the account. The machine-readable code 109 may also include instructions for accessing a webpage for funding the prepaid account, and/or instructions for accessing a webpage for checking the account balance. [0068] Some embodiments of the invention can include methods for making greeting cards. In one embodiment, a method can include obtaining a first layer, obtaining a second layer, and creating a greeting card comprising a substrate comprising the first layer and the second layer. The substrate can include a first portion and a second portion in the same plane and separated by a perforation in the substrate. The second portion can comprise a section of the first layer and a section of the second layer. The greeting card can further comprise a contactless element disposed between the section of the first layer and the section of the second layer. [0069] A method 300 according to embodiments of the invention can be described with respect to FIG.3. [0070] At step S1, a substrate can be obtained including a first layer, which may be a sheet of paper that has the size of a greeting card. In some embodiments, 16 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 the first layer can include the previously described perforation line. Or, it can have no perforation line. [0071] At step S2, one or more components can be applied to the first layer. For example, the previously described memory and/or contactless element can be placed on, attached to (e.g., with an adhesive), and/or inserted into the substrate at a predefined location corresponding to the previously described second portion of the substrate. [0072] At step S3, a second layer can be attached to the first layer to form the substrate illustrated in FIG. 2. An adhesive may be used to attach the first and second layers together. In some embodiments, the second layer can include the previously described perforation line. Or, it can have no perforation line. [0073] At step S4, if the first and second layers in steps S1 and S3 did not have perforation lines, then a perforation line such as perforation line 104 in FIG.1 can be created in the substrate. The perforation line can be created using any suitable perforation tool, which may include pins, needles, rotary pinned perforation rollers, perforating knives, die and punch sets, and/or lasers. [0074] At step S5, information, such as the previously described information, can be printed on the substrate using a printing tool. In some embodiments, no information is printed, and the substrate and card remain blank (e.g., white or the color of the substrate). Printing can be performed at a later time by an end user that obtains (e.g., purchases) the card. [0075] At step S6, the greeting card can be folded. For example, the substrate can be folded in half to create a front page, back page, and two inside pages. [0076] Additionally, at this point or at any other suitable time, information can be loaded onto the memory in the greeting card. This can include one or more access applications, a credential associated with an account, one or more encryption keys, and/or any other suitable data. As is known in the art, a contactless device can 17 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 be used to write data onto the memory. Alternatively, the memory in the greeting art can be preloaded with information before it is attached to the first layer. [0077] At a later time, the greeting card can be sold in a store or otherwise obtained by a user. Also, a user can activate or load funds to an account associated with the greeting card and/or a user device within the greeting card. For example, when purchasing the greeting card at a merchant terminal, a predefined amount can be activated or loaded at an account associated with the greeting card. Alternatively, a user can use a mobile device to scan a machine-readable code printed on the card, and machine-readable code can provide instructions to the mobile device for accessing a webpage for loading funds onto the account. [0078] The user may provide the greeting card to another person, referred to as a second user. The second user may then remove the user device from the greeting card (e.g., by tearing along the perforation line). The second use may then use the user device to conduct a transaction. An example of such a transaction can be described with respect to FIG.4. [0079] FIG.4 shows an example of a system 400, according to embodiments of the invention. The system 400 includes a user device 105 in communication with an access device 425. The user device 105 can interact with the access device 425 in order to gain access through a transaction. The system 400 also comprises a resource provider computer 420, a transport computer 430, a processing computer 440, and an authorizing entity computer 450. [0080] The user device 105 can be in operative communication with the access device 425, which may also be in operative communication with the resource provider computer 420. The resource provider computer 420 can be in operative communication with the transport computer 430. The transport computer 430 can be in operative communication with the processing computer 440. The processing computer 440 can be in operative communication with the authorizing entity computer 450. [0081] Messages between the devices in the system 400 in FIG. 4 can be transmitted using a secure communications protocols such as, but not limited to 18 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 Secure Hypertext Transfer Protocol (HTTPS), SSL, ISO (e.g., ISO 8583) and/or the like. The communications network include any one and/or the combination of the following: a direct interconnection; the Internet; a Local Area Network (LAN); a Metropolitan Area Network (MAN); an Operating Missions as Nodes on the Internet (OMNI); a secured custom connection; a Wide Area Network (WAN); a wireless network (e.g., employing protocols such as, but not limited to a Wireless Application Protocol (WAP), I-mode, and/or the like); and/or the like. The communications network can use any suitable communications protocol to generate one or more secure communication channels. A communications channel may, in some instances, comprise a secure communication channel, which may be established in any known manner, such as through the use of mutual authentication and a session key, and establishment of a Secure Socket Layer (SSL) session. [0082] A method according to embodiments of the invention can also be described with respect to FIG.4. [0083] At step 51, the user 460 may remove the user device 105 from the greeting card. For example, the user 460 may separate the user device 105 from the greeting card by tearing along the perforation line as described above. [0084] At step 52, the user 460 may use the user device 105 to conduct a transaction. For example, after tearing, the user 460 may present the second portion and the contactless element to an access device 425. The access device 425 and the user device 105 may then begin an electronic communication exchange. For example, the access device 425 may prompt the user device 105 to provide access data. [0085] At step 53, the user device 105, using its contactless element, may then transmit the access data (e.g., credentials) to the access device 425. For example, the contactless element of the user device 105 may transmit the access data via short-range wireless communications such as an NFC communication exchange. [0086] At step 54, the access device 425 may transmit the access data to the resource provider computer 420. 19 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 [0087] At step 55, the resource provider computer 420 may generate an authorization request message if the access device 425 did not do so. The authorization request message may comprise the access data and an amount for the transaction. The amount may be, for example, a total amount for goods or services being purchased from the second resource provider. [0088] The resource provider computer 420 can then transmit the authorization request message to the authorizing entity computer 450. In some embodiments, the resource provider computer 420 may transmit the authorization request message to the authorizing entity computer 450 via one or more intermediary computers. For example, the resource provider computer 420 may transmit the authorization request message to the transport computer 430 at step 55. Then, the transport computer 430 may transmit the authorization request message to the processing computer 440 at step 56. Then, the processing computer 440 may transmit the authorization request message to the authorizing entity computer 450 at step 57. [0089] At step 58, the authorizing entity computer 450 may perform one or more actions to authorize the transaction. For example, the authorizing entity computer 450 may verify that the account associated with the credential includes sufficient value for the transaction and/or perform any other suitable validations for the transaction and/or account. [0090] The authorizing entity computer 450 may then generate authorization response message. The authorization response message may indicate that the transaction has been authorized. [0091] The authorizing entity computer 450 can then transmit the authorization response message to the access device 425. In some embodiments, the authorizing entity computer 450 may transmit the authorization response message to the access device 425 via one or more intermediary computers. For example, the authorizing entity computer 450 may transmit the authorization response message to the processing computer 440 at step 58. Then, the processing computer 440 may transmit the authorization response message to the transport computer 430 at step 20 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 59. Then, the transport computer 430 may transmit the authorization response message to the resource provider computer 420 at step 60. Then, the resource provider computer 420 may transmit the authorization response message to the access device 425 at step 61. [0092] In some embodiments, the access device 425 can provide to the user 460 an indication that the transaction is authorized. For example, the access device 425 can display information indicating that the transaction is authorized, emit a sound associated with authorization, etc. The access device 425 may provide to the user 460 a digital or printed transaction receipt or any other suitable proof of transaction for purchasing the goods or services. [0093] Embodiments include alternative manners of printing, customizing the greeting card, and/or loading value to the account associated with the user device. Referring back to FIG.3, one or more of the steps can be omitted or executed in a different order. For example, in some embodiments, steps S5 and S6 can be omitted. As a result, the manufacturing process can produce a flat unfolded greeting card with electrical components (e.g., a contactless element coupled to a memory storing a credential associated with an account) and a perforation line, and with fewer or no printed information. A blank or less-decorated greeting card can allow a user to customize the greeting card at a later time. [0094] FIG.5 shows an example of a system 500 for customizing a greeting a card, according to embodiments of the invention. The system 500 includes a greeting card 100 with an integrated and/or removeable user device 105, a mobile device 565, a printer 570, and an account server computer 555. [0095] A blank or less-decorated greeting card 100 with integrated and/or removeable user device 105 can allow a user, at a later time, to insert the greeting card 100 into the printer 570 (e.g., at home) and print any desired custom and/or selected illustrations, markings, and/or designs onto the greeting card 100 (e.g., similar to step S5 as discussed above with respect to FIG.3). Also, the user may manually mark the greeting card 100 instead of or in addition to printing on the greeting card 100. The user can fold the greeting card 100 after printing (e.g., 21 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 similar to step S6 as discussed above with respect to FIG.3). As a result, a user may be able to store a batch of greeting cards at home or work, and may be able to print or otherwise customize a greeting card 100 when desired. [0096] In further embodiments, a software application installed on the mobile device 565 may be configured to allow a user to create a custom design for printing onto a greeting card 100. The application can include templates based on holidays or other occasions. Once the design is selected and/or created, the mobile device 565 can send the design to printer 570 to print onto a blank or otherwise customizable greeting card 100. [0097] Additionally, in some embodiments, the user can load funds onto a prepaid account associated with the greeting card 100 and/or user device 105. Each greeting card 100 can be associated with a corresponding prepaid account. The greeting card 100 may include a printed machine-readable code associated with the account. The machine-readable code may be printed before the user obtains and/or decorates the greeting card 100 (e.g., the greeting card 100 may not be completely blank when obtained by the user). The user can cause a mobile device 565 to scan the machine-readable code, which can include information (e.g., a URL and/or an account number) to direct the mobile device 565 to a webpage provided by the account server computer 555 for loading funds. According to embodiments, the account server computer 555 can be the same as, or operated by the same entity as, the authorizing entity computer 550 described with respect to FIG.4. In some embodiments, the mobile device 565 can interact with a contactless element of the user device 105 to obtain the information for loading the account (e.g., a URL and/or an account number). [0098] In some embodiments, the same software application at the mobile device 565 for creating the printable design may also be configured to provide a user interface for loading funds to an account associated with the greeting card 100. For example, the software application can prompt the user to scan a machine-readable code on the greeting card 100 (e.g., that may be previously printed by the manufacturer of the greeting card 100), and then extract account information from 22 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 the machine-readable code to identify an account to which funds can be loaded. In some embodiments, the machine-readable code can also include instructions for prompting a user to download the software application initially. [0099] A method for customizing a greeting card, according to embodiments, can be described with respect to FIG.6. The [0100] At step S601, the mobile device, which is an example of a communication device, can scan a machine-readable code displayed on a substrate (e.g., a first portion or a second portion) of a greeting card. [0101] At step S602, the mobile device can identify an account based on the machine-readable code. For example, the mobile device can extract information for identifying an account from the machine-readable code, such as a credential and/or a separate non-transactable account identifier. [0102] At step S603, the mobile device may receive a selection of a value from a user. For example, the user may select or otherwise input an amount of funds to load onto the account. [0103] At step S604, the mobile device may transmit one or more messages to a server computer for loading the value onto the account. For example, the mobile device may communicate with the account server computer to provide a funding source (e.g., another payment account), the selected value, and account- identifying information. [0104] At step S605, the mobile device may receive the credential from the server computer. For example, if the machine-readable code included a non- transactable account identifier, the server computer may identify and return a transactable credential to the mobile device. [0105] At step S606, the mobile device may display one or more selectable design options to the user. The user may be able to select and/or create a printable design. 23 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 [0106] At step S607, the mobile device may receive a selection of a printable design from the user. The printable design can include any suitable combination of one or more images, messages, alphanumeric characters, and/or other information. The printable design may include printing onto a first portion and/or second portion of a greeting card. For example, a greeting card message and/or decorative image may be printed on a first portion. User device and/or account information may be printed onto a second portion. For example, a credential, value or balance (e.g., which may be selected by the user in step S603), name, and/or any other suitable information can be printed onto the second portion. In some embodiments, a greeting card may already have a credential of other user device information printed, and the printable design may include only decorative greeting card designs for the first portion. [0107] At step S608, the mobile device may transmit the printable design to the printer. In response, the printer may print the printable design onto the greeting card. [0108] Embodiments of the invention have a number of advantages. For example, in embodiments of the invention, a greeting card is provided that incorporates a prepaid card (or other user device). This simplifies manufacturing, as two previously separate manufacturing processes (one for a greeting card, the other for the prepaid card) can be combined into one manufacturing process. Additionally, individuals sometimes purchase both a greeting card and a prepaid card, and then place the prepaid card inside the greeting card. Embodiments enable these separate purchases and steps for assembly to be simplified into a single purchase. [0109] Embodiments of the invention further provide a prepaid card in the form of paper. Paper is more customizable than plastic, as paper can be more receptive receive ink via writing, drawing, and/or printing (e.g., suitable for a consumer paper printer and not requiring an industrial plastic printer). A prepaid card that is in the form of paper and/or integrated into a larger greeting card can be inserted into a printer (e.g., a home printer), such that any desirable information can be printed on the greeting card and/or prepaid card at the same time. Additionally, an overall 24 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 illustration or design applied to a greeting card can be partially placed on the prepaid card, such that the prepaid card can be blended into a larger design. [0110] Additionally, processes for manufacturing a paper card are less complex than a plastic card. For example, inserting electronic components into a plastic card requires molding or etching a cavity out of the plastic to create space for the electronic components. In contrast, for a paper card, electronic components can be enclosed between two layers of paper, which is comparatively less complex. [0111] Embodiments further provide simpler process for creating a custom shape for a prepaid card. Perforation tools can be readily used and/or programmed to create perforations of any desired shape and design. Thus, a prepaid card created by a perforation line within a greeting card can be customized to have any desired shape with the same perforation tool. In contrast, a separate unique plastic mold must be created for each desired shape when creating plastic prepaid cards. [0112] Embodiments further provide a configuration and set of components that are suitable for being enclosed and/or manufactured with paper. For example, modern memory chips and antenna can be configured to be flexible, so that bending and/or folding of a paper prepaid card may not be a concern. A prepaid card can have a limited lifetime due to a limited prepaid balance, and there is less opportunity for wear and tear. [0113] A computer system will now be described that may be used to implement any of the entities or components described herein. Subsystems in the computer system are interconnected via a system bus. Additional subsystems include a printer, a keyboard, a fixed disk, and a monitor which can be coupled to a display adapter. Peripherals and input/output (I/O) devices, which can couple to an I/O controller, can be connected to the computer system by any number of means known in the art, such as a serial port. For example, a serial port or external interface can be used to connect the computer apparatus to a wide area network such as the Internet, a mouse input device, or a scanner. The interconnection via system bus allows the central processor to communicate with each subsystem and to control the execution of instructions from system memory or the fixed disk, as well 25 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 as the exchange of information between subsystems. The system memory and/or the fixed disk may embody a computer-readable medium. [0114] As described, the inventive service may involve implementing one or more functions, processes, operations or method steps. In some embodiments, the functions, processes, operations or method steps may be implemented as a result of the execution of a set of instructions or software code by a suitably programmed computing device, microprocessor, data processor, or the like. The set of instructions or software code may be stored in a memory or other form of data storage element which is accessed by the computing device, microprocessor, etc. In other embodiments, the functions, processes, operations or method steps may be implemented by firmware or a dedicated processor, integrated circuit, etc. [0115] Any of the software components or functions described in this application may be implemented as software code to be executed by a processor using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques. The software code may be stored as a series of instructions, or commands on a computer-readable medium, such as a random access memory (RAM), a read-only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD-ROM. Any such computer-readable medium may reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network. [0116] While certain exemplary embodiments have been described in detail and shown in the accompanying drawings, it is to be understood that such embodiments are merely illustrative of and not intended to be restrictive of the broad invention, and that this invention is not to be limited to the specific arrangements and constructions shown and described, since various other modifications may occur to those with ordinary skill in the art. [0117] As used herein, the use of "a", "an" or "the" is intended to mean "at least one", unless specifically indicated to the contrary. 26 KILPATRICK TOWNSEND 791532241

Claims

PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 WHAT IS CLAIMED IS: 1. A greeting card comprising: a substrate comprising: a first layer; a second layer attached to the first layer; a first portion; and a second portion separated from the first portion by a perforation line in the substrate, the second portion being in the same plane as the first portion, the second portion comprising a section of the first layer and a section of the second layer; and a contactless element in the substrate and disposed between the section of the first layer and the section of the second layer. 2. The greeting card of claim 1, wherein the first layer and the second layer are paper. 3. The greeting card of claim 2, wherein the paper is cardstock. 4. The greeting card of claim 1, wherein the greeting card has two pages separated by a crease. 5. The greeting card of claim 4, wherein the shape is a rectangle. 6. The greeting card of claim 1, wherein the perforation line allows a user to separate the second portion from the first portion by tearing the perforation line. 7. The greeting card of claim 1, further comprising: a memory electrically coupled to the contactless element, the memory storing a credential associated with an account; and a machine-readable code printed on the first portion, the machine- readable code identifying the account. 27 KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 8. The greeting card of claim 7, wherein the second portion, the memory, and the contactless element together form a user device, the user device does not include a magnetic stripe, and the user device does not include a contact element. 9. The greeting card of claim 1, wherein the second portion is a user device, the user device being a stored value card. 10. A method comprising: obtaining a first layer; obtaining a second layer; and creating a greeting card comprising a substrate comprising the first layer, the second layer, and a first portion and a second portion in the same plane and separated by a perforation line in the substrate, the second portion comprising a section of the first layer and a section of the second layer, and the greeting card further comprising a contactless element disposed between the section of the first layer and the section of the second layer. 11. The method of claim 10, wherein creating the greeting card includes: applying the contactless element to the first layer; adding the second layer to the first layer such that the contactless element is enclosed between the first layer and the second layer; and creating the perforation line in the substrate. 12. The method of claim 10, further comprising: loading a credential associated with an account to a memory, wherein the memory is electrically coupled to the contactless element. 13. The method of claim 12, further comprising: printing onto the section of the second layer, wherein the section of the second layer is paper, and wherein adding the second layer to the first layer includes adhering the second layer to the first layer. KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 14. The method of claim 13, wherein printing includes printing the credential. 15. The method of claim 10, further comprising: printing onto the first portion. 16. The method of claim 15, wherein printing includes printing a greeting card message and a machine-readable code associated with an account. 17. The method of claim 10, further comprising: folding the greeting card. 18. A method comprising: obtaining a greeting card comprising a substrate comprising a first layer, a second layer, and a first portion and a second portion in the same plane and separated by a perforation line in the substrate, the second portion comprising a section of the first layer and a section of the second layer, and the greeting card further comprising a contactless element disposed between the section of the first layer and the section of the second layer; separating the first portion from second portion by tearing the perforation line; and after separating, presenting, by the user, to an access device, the second portion, wherein the contactless element in the second portion transmits data to the access device. 19. The method of claim 18, wherein the data comprises a credential. 20. The method of claim 18, wherein the greeting card is a birthday card, a sympathy card, a get well soon card, wedding card, or a retirement card. 21. The method of claim 18, wherein the first layer and the second layer comprise paper. 22. A method comprising: KILPATRICK TOWNSEND 791532241 PATENT Attorney Docket No.079900-1475210 Client Ref. No.8396WO01 receiving, by a computing device, from a user, a selection of a printable design; and transmitting, by the computing device, the printable design to a printer, thereby causing the printer to print the printable design onto a card to form a greeting card, the card comprising a substrate comprising a first layer, a second layer, and a first portion and a second portion in the same plane and separated by a perforation line in the substrate, the second portion comprising a section of the first layer and a section of the second layer, and the greeting card further comprising a contactless element disposed between the section of the first layer and the section of the second layer. 23. The method of claim 22, wherein the printable design includes at least one of an image and a set of alphanumeric characters. 24. The method of claim 22, further comprising: scanning, by the computing device, a machine-readable code displayed on the first portion, wherein the machine-readable code includes information for identifying an account; receiving, by the computing device, from the user, a selection of a value; and transmitting, by the computing device, to a server computer, one or more messages for loading the value to the account. 25. The method of claim 24, wherein the contactless element is coupled to a memory storing a credential associated with the account. 26. The method of claim 25, further comprising: receiving, by the computing device, from the server computer, the credential, wherein the printable design includes the credential displayed at the second portion. KILPATRICK TOWNSEND 791532241