Talk:Stored-value card

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Distinction between prepaid and stored-value

The Federal Reserve System's Payments System Development Committee made a helpful distinction between prepaid and stored-value cards: "The term stored value was associated with products for which prefunded value is recorded on the payment instrument. The term prepaid was associated with products for which the prefunded value is recorded on a remote database, which must be accessed for payment authorization. So defined, the term prepaid describes most of the products on the market today." See http://www.federalreserve.gov/paymentsystems/storedvalue/default.htm. I agree with Radiojon below--this article needs to be restructured to draw this distinction between the two types of products.

Why separate

What was the point of separating telephone prepaid calling cards. They are just a variant of stored-value cards. Mbstone 07:03, 11 Jan 2004 (UTC)

Poor definition

A stored-value card is, by definition, where the value is stored on the card itself, not in an account somewhere. The whole point of them, besides being more secure, is to not need communication in order to work. (Imagine having vending machines with each needing a telephone jack!) This really needs to be copyedited to remove this information and replace it with more accurate info. –radiojon 03:26, 2004 Apr 2 (UTC)

I ran across a patent on the USPTO website for a Target GiftCard design that uses the phrase "credit or stored-value card" to define the patent. Target GiftCards require communication to to retrieve the values on them, all the values on the cards themselves are stored on some computer in Minneapolis. What "stored-value card" suggests in this patent contradicts the literal definition of the term, but then again it's USPTO. the patent 68.226.61.4 07:26, 31 December 2005 (UTC)[reply]

I have to agree that a significant portion of this article's content is not related to true "stored-value" cards and should be removed. - Winston Spencer (talk)

Just because the Patent Office want's to mix their metaphors doesn't mean wikipedians have to follow. — Preceding unsigned comment added by Winston Spencer (talk • contribs) 13:37, 6 April 2014 (UTC)[reply]

Fair use rationale for Image:Amex-Travelers-Cheque-Card.jpg

Image:Amex-Travelers-Cheque-Card.jpg is being used on this article. I notice the image page specifies that the image is being used under fair use but there is no explanation or rationale as to why its use in Wikipedia articles constitutes fair use. In addition to the boilerplate fair use template, you must also write out on the image description page a specific explanation or rationale for why using this image in each article is consistent with fair use.

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Gift Card

What is the difference between a gift card and a stored-value card? Why are there articles on both? See gift card. --Bill.albing (talk) 16:22, 29 April 2009 (UTC)[reply]