Financial transaction product with media player

A stored-value system comprising:

• a stored-value product comprising:
• means for storing a plurality of compressed digital media files maintained within an enclosure, the enclosure having a linear sidewall,
• means for receiving a compressed digital media file from a separate computing device and for forwarding the compressed digital media file to the means for storing,
• means for outputting audio signal waves associated with the compressed digital media files, wherein the means for outputting audio signal waves includes ear buds and a cord, the ear buds are configured to be stored externally with respect to the enclosure, each ear bud has a disk and a stem, the stem extending therefrom to enclose at least a portion of the cord, the stem and the cord are at least partially selectively extendable out of and retractable into the enclosure, the stem and cord enter the enclosure at the linear sidewall, and the disk is disposed entirely outside of the enclosure at the linear sidewall, and
• means for associating the enclosure with a financial account or a financial record having an associated value available as tender toward a purchase of one or more of goods and services;
• and
• means for storing the financial account or the financial record including means for tracking the associated value available as tender toward the purchase of one or more of goods and services.

A method of encouraging purchase and facilitating use of a financial transaction product, the method comprising:

• displaying a financial transaction product including a media player, a housing, and retractable headphones, the media player configured to receive and store compressed digital media files, to convert the compressed digital media files into sound waves, and to output the sound waves from the media player, the housing having a linear sidewall and at least partially enclosing the media player, the retractable headphones configured to facilitate output of the sound waves from the media player, the retractable headphones including ear buds and at least one cord, wherein the ear buds are configured to be stored externally with respect to the housing, each ear bud has a disk and a stem, the stem extends from the housing to encase a portion of the at least one cord, the stem and the at least one cord are configured to be selectively at least partially maintained within the housing, the stem and cord enter the housing at the linear sidewall, the disk is disposed entirely outside of the housing at the linear sidewall, and the financial transaction product includes an account identifier linked to a financial account or a financial record;
• and
• activating the financial transaction product including using the account identifier to access the financial account or the financial record, wherein activating the financial transaction product readies the financial transaction product for subsequent use as at least partial payment for one or more of goods and services, and subsequent use of the financial transaction product as at least partial payment for one or more of goods and services would cause a reduction in a monetary value associated with the financial account or the financial record.