Patent Publication Number: US-9428325-B2

Title: Package assembly for monetary payment cards and related method

Description:
RELATED APPLICATIONS 
     This application claims the benefit of U.S. Provisional Application 61/807,594, filed Apr. 2, 2013, U.S. Provisional Application 61/812,501, filed Apr. 16, 2013, and U.S. Provisional Application 61/821,998, filed May 10, 2013, all of which are incorporated by reference in their entireties. 
    
    
     TECHNICAL FIELD 
     This application relates generally to package assemblies for monetary payment cards such as gift cards, debit cards, credit cards, prepaid cards and the like. 
     BACKGROUND 
     The market for the sale by retail establishments of payment cards of all types continues to increase. As more enhanced card features become available, the laws and regulations applicable to such retail sales likewise increase, and package security therefore becomes ever more important. It is necessary to provide the retail customer with a variety of information regarding the payment card, while at the same time providing a package that is reasonable in size. Moreover, as the retail sale of reloadable type cards becomes more prevalent, providing enhanced security against the sale of a packaged card that has been compromised by the criminal element is key. 
     One tactic the criminal element has used in the past to compromise payment cards has been to remove the card from the package in order to obtain the card number. The card is then reinserted into the package for subsequent sale to a retail customer. The criminal element then monitors the card to identify when it is subsequently sold and activated, at which point the criminal element accesses the funds on the card. 
     It would be desirable to provide a payment card package assembly that facilitates providing the customer with all information regarding the payment of the card as required by applicable law and regulation. It would also be desirable to provide a payment card package assembly that is better adapted to alerting both the customer and the retailer when a card has been compromised by removal from the package and subsequent reinsertion prior to sale. 
     SUMMARY 
     In one aspect, a payment card package assembly comprises a payment card, a panel, and a security label. The payment card has a card number thereon. The panel has a front side, and has warning indicia on the front side at a location outward of the perimeter of the payment card. The security label has a first portion that covers at least a portion of the card number, and has a second portion that covers the warning indicia in a front view of the assembly. 
     In another aspect, a payment card package assembly comprises a payment card, a security label, and a blister pack. The payment card has a card number thereon. The security label has a first portion covering at least a portion of the card number, and has a second portion extending beyond the perimeter of the payment card. The blister pack defines a pocket having a primary portion that contains the payment card and the first portion of the security label, and has a smaller secondary portion that projects from the primary portion and contains the second portion of the security label. 
     In a further aspect, a payment card package assembly comprises multiple payment cards, a panel, and a security label. The payment cards are arranged in an overlapping staggered orientation having a perimeter, and include a front payment card and a rear payment card with an edge portion protruding from behind the front payment card. The panel has a front side, and has warning indicia on the front side at a location outward of the perimeter of the overlapping staggered orientation. The security label covers at least a portion of a card number on the front payment card, and reaches from the front payment card onto the edge portion of the rear payment card. The security label also extends from the perimeter of the overlapping staggered orientation over the warning indicia on the panel to block the warning indicia from view. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a front perspective view of one embodiment of a payment card package assembly; 
         FIG. 2  is a rear perspective view of the assembly of  FIG. 1 ; 
         FIG. 3  is an exploded front perspective view of parts of the assembly of  FIG. 1 ; 
         FIG. 4  is a front view of the assembly of  FIG. 1 ; 
         FIG. 5  is a side view taken on line  5 - 5  of  FIG. 4 ; 
         FIG. 6  is a sectional view taken on line  6 - 6  of  FIG. 4 ; 
         FIG. 7  is an exploded sectional view of the parts shown in  FIG. 6 ; 
         FIG. 8  is a front view of an intermediate panel in the package assembly of  FIG. 1 ; 
         FIG. 9  is a rear view of the intermediate panel shown in  FIG. 8 ; 
         FIG. 10  is a front view of an alternative panel structure in which front and rear panels similar to those in the package assembly of  FIG. 1  are pivotably interconnected; 
         FIG. 11  is a view similar to  FIG. 10 , showing a payment card in place relative to the panel structure; 
         FIG. 12  is a rear view of the front and rear panels in the panel structure of  FIGS. 10 and 11 ; 
         FIG. 13  is a front perspective view of an alternative embodiment of a secondary blister pack component that may be used in a payment card package assembly; 
         FIG. 14  is a view similar to  11 , showing parts of another alternative embodiment of a payment card package assembly; 
         FIGS. 15-17  show an embodiment of a payment card package assembly with multiple payment cards; 
         FIGS. 18-20  show another embodiment of a package assembly with multiple payment cards; 
         FIGS. 21-23  show an additional embodiment of a payment card package assembly with multiple payment cards; 
         FIGS. 24 and 25  show another additional embodiment of a payment card package assembly with multiple payment cards; 
         FIGS. 26-29  show an embodiment of a payment card package assembly with a box part and a card holding part hingedly connected together; and 
         FIGS. 30-31  show another embodiment with a box part and a card holding part hingedly connected together. 
     
    
    
     DETAILED DESCRIPTION 
     As shown in  FIGS. 1 and 2 , an embodiment of a payment card package assembly  10  includes a panel structure  12  and a blister pack  14 . The blister pack contains a payment card  16  ( FIG. 3 ), and is preferably formed of transparent plastic material. The panel structure  12 , which may be formed of any suitable material such as paperboard, encloses and supports the blister pack  14  for retail display. 
     As best shown in  FIG. 3 , the panel structure  12  in the illustrated embodiment includes a front panel  20 , a rear panel  22 , and an intermediate panel  24 . The front panel  20  includes a front side  26 , a rear side  28 , and a cutout  29  therethrough from the rear side  28  to the front side  26 . The cutout  29  has an extended portion  31 . As used herein, the term “front” when used to refer to a side of any component of the package assembly  10  is intended to refer to the side of component that faces toward a front side of the package assembly  10  when the package assembly  10  is in its fully assembled state. In the case of the illustrated embodiment, the front side of the package assembly  10  is the side shown in  FIGS. 1 and 4 , which is the side facing downward in  FIG. 5 . As used herein, the term “rear” when used to refer to a side of any component of the package assembly  10  is intended to refer to the side of component that faces toward a rear side of the package assembly  10  when the package assembly  10  is in its fully assembled state. In the case of the illustrated embodiment, the rear side of the package assembly  10  is the side shown in  FIG. 2 , which is the side facing upward in  FIG. 5 . 
     As further shown in  FIG. 3 , the blister pack  14  in the illustrated embodiment includes first and second blister pack components  40  and  42 . The first blister pack component  40  includes a surrounding flange  44  and a pocket  45 . In the package assembly  10 , the flange  44  is located toward the rear side  28  of the front panel  20 , and the pocket  45  protrudes through the cutout  29  of the front panel  20 . A set of sidewalls  46  of the pocket  45  extend from the flange  44  to a front panel  48  of the pocket  45  and also serve to define the general perimeter shape of the pocket  45 . 
     As shown in  FIGS. 4 and 6 , the payment card  16  is positioned within the pocket  45  with a front of the card  16  facing the front of the package assembly  10 . The card  16  has a security label  50  applied thereto to cover a card number (not shown) on the front side of the card  16 . The security label  50  includes a free portion  52  that extends beyond a perimeter of the card  16 . 
     The pocket  45  has a primary portion  60  and a secondary portion  62 . The primary portion  60  has a shape that substantially matches the shape of the payment card  16 . The secondary portion  62  is aligned with the free portion  52  of the security label  50  such that the free portion  52  extends into the secondary portion  62 . 
     A terms and conditions document (e.g., legal terms and conditions; not shown) may be positioned within the pocket  45  at a rear side of the payment card  16 . 
     The second blister pack component  42  includes a flange  70 , a forward protrusion  72  and a rearward protrusion  74 . The flange  70  of the second blister pack component  42  engages with the flange  44  of the first blister pack component  40 . The forward protrusion  72  extends into the pocket  45  to locate the payment card  16  toward the front panel  48  of the pocket  45 , and the rearward protrusion  74  includes at least one latching feature  76 . In one embodiment, the second blister pack component  42  is formed by a single piece, but in other embodiments of the blister pack  14  more than two pieces may be used. 
     As shown separately in  FIGS. 8 and 9 , the intermediate panel  24  has a front side  80 , a rear side  82 , and a cutout  83  therethrough from the rear side  82  to the front side  80 . The front side  80  of the intermediate panel  24  is sealed (e.g., heat sealed by heat activated adhesive, or otherwise adhered or glued) to the rear side  28  of the front panel  20  with both of the blister pack components  40  and  42  sandwiched therein and entirely surrounded by peripheral portions of both the front panel  20  and the intermediate panel  24 . The rear protrusion  74  of blister pack component  42  extends through the cutout  83  of the intermediate panel  24  to space the latching feature  76  rearwardly of the rear side  82  of the intermediate panel  14 . 
     The rear panel  22  has a front side  90 , a rear side  92  and a cutout  93  therethrough from the front side  90  to the rear side  92 . In one embodiment, suggested in  FIG. 3 , the rear panel may be a separate panel that engages the rear protrusion of the blister pack component. In another embodiment, as shown in  FIGS. 10-12 , the rear panel  22  also has an edge  94  interconnected with an edge  96  of the front panel  20  along a pivot line  97  therebetween. By way of example, the pivot line  97  may be a score line, a line of perforation or any other line of weakness. The cutout  93  of the rear panel  22  defines an interior panel perimeter portion  98  of the rear panel  22 . In the package assembly  10 , the rear protrusion  74  of the blister pack component  14  extends through the cutout  93  of the rear panel  22 , and the interior panel perimeter portion  98  engages with the latching feature  76  to hold the front side  90  of the rear panel  22  toward the rear side  82  of the intermediate panel  24 . 
     The rear protrusion  74  of the illustrated embodiments includes multiple latching features  76  (e.g., in this case four) and the cutout  93  in the rear panel  22  includes multiple interior panel perimeter portions  98  (e.g., in this case four), with each interior panel perimeter portion  98  engaged with a respective one of the latching features  76 . Corner slots or recesses  100  of the cutout  93  provide each of the perimeter portions  98  with some ability to flex in order to move over and past the latching features  76  in a releasable manner. This allows the package assembly  10  to be partially opened by re moving the rear panel (e.g., if the rear panel is separate) or by pivoting the rear panel  22  away from the intermediate panel  24  such that the rear side  92  of the rear panel  22  is positioned alongside the front side  26  of the front panel  20 , as shown for example in  FIG. 10 . In this arrangement, each of the front side  26  of the front panel  20 , the rear side  82  of the intermediate panel  24 , the front side  90  of the rear panel  22  and the rear side  92  of the rear panel  20  have printed information thereon pertaining to the payment card  16 . Likewise, where rear panel  22  is separate, both the front and rear sides of the rear panel may include printed information thereon. Thus, in either case, four panel surfaces are made available for providing the retail customer with any required information about the payment card  16  when the package assembly  10  is partially opened, while providing a relatively small peripheral footprint for the package assembly  10  when the package assembly  10  is fully closed (i.e., with the separate rear panel  22  placed adjacent the rear panel and held in place by the latching feature  76  or with the pivotable rear panel folded against the intermediate panel  24  and held in place by interaction with the latching feature  76 , both of which cases are fairly represented by the package profile of  FIG. 5 ). 
     Notably, the front side  80  of the intermediate panel  24  includes warning indicia  110 , as shown in  FIG. 8 . In the package assembly  10 , the warning indicia  110  on the intermediate panel  24  is aligned with the extended portion  31  of the cutout  29  in the front panel  20 , as shown in  FIG. 10 . The warning indicia  110  is thus aligned with the secondary portion  62  of the pocket  45  in the package assembly  10 . The free portion  52  of the security label  50  extends into the extended portion  31  of the cutout  29  in the front panel  20 , as shown in  FIG. 11 . The free portion  52  of the security label  50  is thus positioned in the secondary portion  62  of the pocket  45  to block viewing of the warning indicia  110  from the front of the package assembly  10  through the secondary portion  62  of the pocket  45  (e.g., per  FIG. 4 ). In the absence of the free portion  52  of the security label  50  being located within the secondary portion  62  of the pocket  45 , the warning indicia  110  becomes viewable from the front of the package assembly  10 . In the event someone tampers with the card  16  (e.g., by removing the card  16  from the package  10 , removing the security label  50  to obtain the card number and then reinserting the card  16  back into the package  10  without the security label  50 ), the warning indicia  110  is viewable to warn both the customer and the retail establishment that the payment card  16  has been compromised. 
     The security label  50  may be of a type such that when removed or partially removed from the payment card  16 , tamper indicia is produced that remains visible even if the security label  50  is re-applied to the payment card  16 . By way of example, security labels having a tamper evident feature are available from Sekuworks, LLC of Harrison, Ohio. 
     The security label  50  may held to the payment card  16  by adhesive at a rear side of the security label  50 , while the free portion  52  of the security label  50  is non-adhesive. By way of example, the free portion  52  of the security label  50  may lack adhesive at its rear side or may include deadening over adhesive at its rear side. 
     Thus, a method of providing a tamper evident payment card for retail sale is also provided with such a package assembly. The method involves applying a security label over a card number on a front side of the payment card, the security label having a free portion that extends beyond an outer edge of the payment card. 
     In such a method the security label may be held to the payment card by adhesive at a rear side of the security label, and the free portion of the security label may be non-adhesive such that the free portion of the security label will not adhere to material with which it comes into contact (e.g., the free portion of the security label lacks adhesive at its rear side or includes deadening over adhesive at its rear side). 
     The method further involves loading the payment card into a blister pack pocket having a primary portion and a secondary portion, the primary portion having a shape that substantially matches a shape of the payment card, the secondary portion aligned with the free portion of the security label such that the free portion extends into the secondary portion. 
     The method further involves providing warning indicia on a package part behind the free portion of the security label and in alignment with the secondary portion of the pocket, wherein the warning indicia is blocked from view through a front side of the blister pack pocket by the free portion of the security label. 
     In the absence of the free portion of the security label within the secondary portion of the pocket, the warning indicia becomes viewable from the front side of the blister pack pocket. 
     In a summary of the full method, the front panel is placed front side down in an assembly pan, the first blister packet is placed front side down with the pocket extending through the front panel, the payment card (with security label already applied) is placed front side facing down within the pocket and with the free portion of the label in the secondary portion of the pocket, the terms and conditions document is placed in the pocket at the rear side of the payment card, the second blister pack component is positioned with forward protrusion in the pocket of the first blister pack component and the rear protrusion extending through the intermediate panel (e.g., the second blister pack component may be combined with the intermediate panel before such placement) and the intermediate panel is heat sealed to the front panel to secure the payment card in the package, and then the rear panel can be pivoted to a closed position against the intermediate panel to complete the package. The front, intermediate and rear panels are pre-printed with desired information before the assembly process. 
     A bar code may be provided on the rear side  82  of the intermediate panel  24  for the purpose of scanning during sale to activate the payment card  16 . 
     Referring to  FIG. 13 , in a variation of either above embodiment, the payment card package assembly may include an alternative second blister pack component  120  in place of the second blister pack component  42  described above. Such an embodiment could have other parts that are the same or substantially the same as the other parts of the assembly  10  described above. Like the second blister pack component  42  described above, the second blister pack component  120  of this embodiment includes a primary forward protrusion  122  that aligns with the primary portion  60  of the pocket  45 . Additionally, the second blister pack component  120  of this embodiment further includes a secondary forward protrusion  124  that aligns with the secondary portion  62  of the pocket  45 . The secondary forward protrusion  124  extends beyond the primary forward protrusion  122  to assure that the free portion  52  the security label  50  is held firmly against the front face  48  of the pocket  45  in the secondary portion  62  of the pocket  45 . 
     Variations are, of course, possible. For example, each the panels  20 ,  22  and  24  may include an additional cutout  124  as shown in  FIGS. 8-12 , where the additional cutouts  124  align and can be used for hanging the package assembly  10 . In addition, the intermediate panel  24  may include a dies cut  126  to create a tab that can be pulled to tear open the intermediate panel  24  and access the payment card  16  within the pocket  45 . 
     Further, although the primary embodiments described above include the secondary portion  62  of the pocket  45  at the bottom of the package  10 , such secondary portion  62  could alternatively be located at the top or either one of the sides. By way of example,  FIG. 14  shows an embodiment in which the secondary portion  62  of the pocket  45  is located to the right side of the primary portion  60  of the pocket  45 , and the free portion  52  of the security label  50  likewise extends to the right. This arrangement may enable a smaller overall package footprint while at the same time maintaining sufficient spacing for proper sealing in the region between the blister pack cutout and the additional cutout used for package hanging. Although in  FIG. 14  the right hand portion of the security label  50  shown generally in the center portion of the card  16  (except for the part connecting to free portion  52 ), it is recognized that the right hand portion of the security label  50  could, alternatively, extend to the right hand edge of the card  16 . 
       FIG. 14  also shows the use of a magnetic stripe  130  on the rear side  92  of the rear panel  22 , which magnetic stripe  130  can be swiped at check-out for the purpose of activating the payment card  16 . The magnetic stripe can be used in lieu of a bar code (shown in  FIG. 9 ), or both the magnetic stripe  130  and a bar code can be provided in the same package to provide the ability to use either for the purpose of card activation. 
     Referring now to  FIGS. 15-17 , an embodiment of a payment card package assembly  200  including multiple payment cards  16 A- 16 C is shown, with the cards arranged in an overlapping staggered orientation. The package assembly includes a front panel  202  and a rear panel  204 , a front blister component  206  that includes a flange and pocket and a rear blister component  208  with a flange and one or more protrusions that extend forward into the pocket to push the cards to the front of the pocket. The payment cards may, if desired, also be adhered to the front side of the rear blister component  208  (e.g., as by using fugitive glue). The payment cards are not shown in the exploded side-cross section of  FIG. 16 . 
     As previously described, on assembly the front and rear panels  202  and  204  are heat sealed together (or otherwise adhered or glued to each other in another manner), with the blister components  206  and  208 , having the payment cards  16 A- 16 C only or payment cards and other documentation (e.g., terms and conditions) within the pocket, held therebetween. Notably, the pocket includes a primary portion  210  that holds the cards and a secondary portion  211  that receives a free portion  212  of a security label  214  that is applied to the cards, with the security label adhered to at least a portion of each of the payment cards in the package. In the illustrated embodiment the security label covers the card number on the most front one of the payment cards, but only an edge portion of the two rear payment cards, but variations are possible. The front side of the rear panel  204  includes warning indicia (e.g., “DO NOT SELL IF VISIBLE”) that is covered by the free portion  212  of the security label  214 . The security label  214  produces warning indicia if removed from the cards  16 A- 16 C, even if an attempt is made to reapply the label  214 , and the removal of the security label  214  altogether exposes the aforementioned warning indicia at the front side of the rear panel  204 . Thus, in the absence of the free portion  212  of the security label  214 , the warning indicia is viewable from the front side of the package assembly  200  through the blister pack components  206  and  208 . The rear side of the rear panel  204  may include a bar code or magnetic stripe for scanning (e.g., optical scan or magnetic swipe scan) to activate the payment cards  16 A- 16 C (e.g., a single scan activates all of the cards). Alternatively, the rear panel  204  could include an opening aligned with a bar code or magnetic stripe on the rear side of one of the payment cards  16 A- 16 C so that scanning of the bar code or magnetic stripe of the one payment cards  16 A- 16 C activates all of the payment cards  16 -A- 16 -C in the pack. 
     Referring now to  FIGS. 18-20 , another embodiment of a payment card package assembly  220  including multiple payment cards  16 A- 16 C is shown, with the cards arranged in an overlapping staggered orientation. The package assembly includes a front panel  222  and a rear panel  224 , a front blister component  226  that includes a flange and pocket and a rear blister component  228  with a flange and one or more protrusions that extend forward into the pocket to push the cards to the front of the pocket. The payment cards may, if desired also be adhered to the front side of the rear blister component  228  (e.g., as by using fugitive glue). The payment cards are not shown in the exploded side-cross section of  FIG. 19 . 
     As previously described, on assembly the front and rear panels are heat sealed together (or otherwise adhered or glued to each other in another manner), with the blister components, having the payment cards only or payment cards and other documentation (e.g., terms and conditions) within the pocket, held therebetween. However, in this embodiment the bottom part of the blister components provides a slot through which the lower end of the rear payment card  16 C extends so as to be exposed below the panels  222  and  224 . In this manner, a bar code or magnetic stripe at the rear side of the card  16 C is exposed so as to be easily scannable for the purpose of activating all of the payment cards  16 A- 16 C in the package  220 . 
     Notably, the pocket includes a primary portion  230  that holds the cards  16 A- 16 C and a secondary portion  232  that receives a free portion  234  of a security label  236  that is applied to the cards  16 A- 16 C, with the security label  236  adhered to at least a portion of each of the payment cards  16 A- 16 C in the package  220 . In the illustrated embodiment the security label  236  covers the card number on the most front one  16 C of the payment cards  16 A- 16 C, but only an edge portion of the two rear payment cards  16 A and  16 B, but variations are possible. The front side of the rear panel  224  includes warning indicia (e.g., “DO NOT SELL IF VISIBLE”) that is covered by the free portion  234  of the security label  236 . The security label  236  produces warning indicia if removed from the cards  16 A- 16 C, even if an attempt is made to reapply the label  236 , and the removal of the security label  236  altogether exposes the aforementioned warning indicia at the front side of the rear panel  224 . Thus, in the absence of the free portion  234  of the security label  236 , the warning indicia is viewable from the front side of the package assembly  220  through the blister pack components  226  and  228 . 
     An even simpler embodiment of a package assembly  250  with multiple payment cards  16 A- 16 C is shown in  FIGS. 21-23 . In this embodiment a single panel  252  is provided, with each of the payment cards  16 A- 16 C being adhered to the front side of the panel  252  (e.g., by the use of fugitive glue). No blister pack components are used. The security label  254  adheres to the front side of a portion of each of the payment cards  16 A- 16 C, and a free portion  256  of the security label  254  adheres to the front side of the panel  252 , covering warning indicia on the front side of the panel  252 . The security label  254  produces warning indicia if removed from the cards  16 A- 16 C, or if removed from the panel  252 , even if an attempt is made to reapply the label  254 , and the removal of the security label  254  altogether exposes the aforementioned warning indicia at the front side of the panel  252 . Thus, in the absence of the free portion  256  of the security label  254  the warning indicia is viewable from the front side of the package assembly  250 . 
     The panel  252  may include a lateral line of weakening (e.g., score line or perforation line)  258  that enables a lower part  260  of the panel  252  to be pivoted away from the rear side of the payment card  16 C, thereby exposing a bar code or magnetic stripe at the rear side of the payment card  16 C to enable scanning of the bar code or magnetic stripe for the purpose of activating all of the payment cards  16 A- 16 C of the package  250 . In a variation of the  FIG. 22  arrangement, the lower part  260  of the panel  252  could be removed altogether. 
     Other variations of payment card package assemblies are possible. For example, a security label  270  could be applied to the rear side of the cards  16 , with a window  275  in a rear panel  276  providing a tamper evident indication (e.g., visible warning indicia) if the security label  270  has been removed.  FIGS. 24 and 25  reflect such a potential variation. 
     Moreover, an embodiment in which a one piece blister is sealed directly to the front face of a single panel could also be provided, with security label used on the card or cards per one of the above embodiments. 
     Referring now to  FIG. 26 , a package assembly  300  includes a combination of a multi-panel, blister and card part  302  with a box part  304 . Part  302  is formed by two panels secured together with a single flanged blister  306  held by the panels, and a card  308  within the pocket of the blister  306 . A security label  310  is applied over the face of the card  308  to hide the card number, and includes an overhanging portion  312  that aligns with a secondary portion  314  of the blister pocket. As seen in  FIG. 27 , if the security label  310  is removed, warning indicia  316  on the front side of the rear panel of part  302  is visible through the blister. 
     As shown in  FIG. 28 , the card holding part  302  is hinged to the top of the front panel of the box part  304 . The card holding part  302  thus acts as a flap that can be folded upward as shown in  FIG. 29  to reveal information regarding the card (i.e., information located on the rear side of the rear panel of part  302  and information on the front side of part  304 ), as well as a bar code and/or magnetic stripe that can be used for activating the card or cards  308  at the point of sale. The box part  304  may typically contain the terms and conditions for the card(s). Although the illustrated embodiment contemplates a single blister component in card holding part  302 , it is possible that a two piece blister system similar to that previously described could also be used. 
     Moreover, the blister component could be eliminated entirely as in the payment card package assembly  400  of  FIGS. 30-31 , which includes a card holding part  402  hinged to the top of a box part  404 . In this embodiment the card holding part  402  is simply formed by front and rear panels with the payment card(s) contained therein. The payment card is not visible in a front view of the assembly  400 . However, a window  407  (e.g., either completely open or covered by plastic) is provided in the rear panel  408  of the card holding part  402 . In this arrangement, the payment card would include a security label  410  that includes a portion that aligns with the window  407 . That portion of the security label includes an image thereon  412  (not shown) that matches a corresponding image  414  on the card-holding part  402 . If the security label  410  is removed, that image  412  does not appear in the window  407  and serves as an indicator to customers and sales clerks that tampering has occurred. 
     Further, the box part of each of the embodiments of  FIGS. 26-31  could be replaced with some other form of documentation holding part. 
     It is to be clearly understood that the above description is intended by way of illustration and example only, is not intended to be taken by way of limitation, and that other changes and modifications are possible. For example, any one or more of the parts of each embodiment may be used in combination with any one or more of the parts of another embodiment.