Abstract: A prepaid long-distance telephone calling card has two or more distinct PIN numbers each obscured by opaque scratch-off material. Each PIN number is associated with prepaid value. A user can scratch off the opaque material for PIN numbers one by one, and the value for each PIN number expires in a way that is unrelated to any other PIN number on the card.

Abstract: Abstract of the Disclosure A prepaid long-distance telephone calling card has two or more distinct PIN numbers each obscured by opaque scratch-off material. Each PIN number is associated with prepaid value. A user can scratch off the opaque material for PIN numbers one by one, and the value for each PIN number expires in a way that is unrelated to any other PIN number on the card.

Abstract: An instrument has a perforation joining a first portion and a second portion, each of the first card and second card having an obverse and a reverse side. The first portion bears on both its obverse and reverse sides indicia relating to a store coupon of a first predetermined value, and may have greater surface area than the second portion. The second portion has on both its obverse and reverse sides indicia relating to a prepaid long-distance telephone calling card, has on its obverse indicia relating to a prepaid amount in a second predetermined value, and has on its reverse side a PIN code and a toll-free access telephone number.