Abstract: A financial transaction product includes a generally planar structure, which includes a first generally rectangular section and a second generally rectangular section. The first generally rectangular section includes first encoding means for associating the first generally rectangular section with a financial account and first indicia associated with a retail chain. The first generally rectangular section is adapted for use as a stored-value card. The second generally rectangular section includes second encoding means for associating the second generally rectangular section with the same financial account and second indicia associated with the same retail chain as the first indicia. The second generally rectangular section is adapted for use as a stored-value card. A lateral score line separates the first generally rectangular section from the second generally rectangular section with lateral edges of the first and second generally rectangular sections being joined along the lateral score line.

Abstract: A reloadable stored-value card assembly includes a stored-value card adapted for use in making purchases, and a reloader card, separable from the stored-value card, adapted for loading value into an account accessible by the stored-value card. The stored-value card and the reloader card are initially attached together, each share a common bar code, and are each linked to a common financial account or record.

Abstract: A reloadable stored-value card assembly includes a stored-value card adapted for use in making purchases, and a reloader card, separable from the stored-value card, adapted for loading value on the stored-value card. The stored-value card and the reloader card are initially attached together, each share a common bar code, and are each linked to a common financial account or record.