Patent ID: 7801799

Claim:
A multi-feature transaction card, comprising: at least one primary feature comprising a debit feature that is activated by a holder of the multi-feature transaction card and is pre-built in an inactive status into the multi-feature transaction card; at least one secondary feature, comprising a transaction feature enabling the holder of the multi-feature transaction card to purchase goods or services, the at least one secondary feature being pre-built in an inactive status into the multi-feature transaction card and is activated by a holder of the multi-feature transaction card following activation of the at least one primary feature; the multi-feature transaction card being personalized with a name and an account number of the holder prior to being issued to the holder; the multi-feature transaction card using one-way transfer of information from the multi-feature transaction card to a merchant; and the multi-feature transaction card being capable of functioning with only the primary feature activated.