Patent ID: 8650123

Claim:
A method comprising: providing for purchase a prepackaged product comprising: a reloadable prepaid cash card usable to purchase goods via a national charge or credit card network, said reloadable prepaid cash card removably affixed to a first informational sheet, said first informational sheet providing instructions regarding use of the prepaid cash card; a contactless payment tag removably affixed to a second informational sheet, said second informational sheet providing instructions regarding use of the contactless payment tag; a third informational sheet providing instructions for activating an account associated with the product; and an external housing forming an internal compartment housing said reloadable prepaid cash card, contactless payment tag, first informational sheet, second informational sheet, and third informational sheet; distributing the prepackaged product to the public; receiving, by a computing device at a financial institution, account information from a first consumer establishing the account associated with an instance of the prepackaged product; activating, by the computing device, the account for use by the first consumer; receiving first input from the first consumer to reserve a user-specified amount of funds in the account; and prior to receiving second input from the first consumer to release the reserved funds, denying all transaction requests that require use of the reserved fund.