Financial transaction card with insert member

A financial transaction card comprising:

• a substrate formed of a first material and defining a first major surface and an aperture extending though the substrate, wherein the substrate includes an account identifier linking the financial transaction card to at least one of a financial account and a financial record such that the financial transaction card is configured for use as payment toward a retail purchase;
• a member formed separately from the substrate and defining a perimeter edge;
• and
• a rim extending around at least a portion of the perimeter edge of the member and coupled with the first major surface of the substrate adjacent the aperture in a manner at least partially coupling the member to the substrate such that the aperture and the member align with one another;
• wherein the aperture defines an internal edge of the substrate, the perimeter edge of the member circumferentiall abuts and is coupled to the internal edge of the substrate and the perimeter edge of the member is thicker than the internal edge of the substrate and extends above the first major surface of the substrate.

A financial transaction card comprising:

• a substrate formed of a first material and defining a first major surface and an aperture extending though the substrate, wherein the substrate includes an account identifier linking the financial transaction card to at least one of a financial account and a financial record such that the financial transaction card is configured for use as payment toward a retail purchase;
• a member formed separately from the substrate and defining a perimeter edge;
• and
• a rim extending around at least a portion of the perimeter edge of the member and coupled with the first major surface of the substrate adjacent the aperture in a manner at least partially coupling the member to the substrate such that the aperture and the member align with one another;
• wherein the member is domed from the perimeter edge such that a middle portion of the member extends in front of the first major surface of the substrate and in front of the rim.

A financial transaction card comprising:

• a substrate formed of a first material and defining a first major surface and an aperture extending though the substrate, wherein the substrate includes an account identifier linking the financial transaction card to at least one of a financial account and a financial record such that the financial transaction card is configured for use as payment toward a retail purchase;
• a member formed separately from the substrate and defining a perimeter edge;
• and
• a rim extending around at least a portion of the perimeter edge of the member and coupled with the first major surface of the substrate adjacent the aperture in a manner at least partially coupling the member to the substrate such that the aperture and the member align with one another;
• wherein the first major surface includes graphical depictions configured to incorporate the member as part of an overall visual depiction,the graphical depictions include a character, and the member is positioned relative to the character so as to appear as an eye of the character.

A combination comprising:

• a financial transaction card comprising:
• a substrate formed of a first material and defining a first major surface and an aperture extending though the substrate, wherein the substrate includes an account identifier linking the financial transaction card to at least one of a financial account and a financial record such that the financial transaction card is configured for use as payment toward a retail purchase,
• a member formed separately from the substrate and defining a perimeter edge, and
• a rim extending around at least a portion of the perimeter edge of the member and coupled with the first major surface of the substrate adjacent the aperture in a manner at least partially coupling the member to the substrate such that the aperture and the member align with one another;
• and
• a backer configured to wrap the financial transaction card and defining a window, wherein the financial transaction card is coupled to the backer such that the account identifier is viewable through the window.

A stored-value card comprising:

• means for defining an overall shape of the stored-value card, the means for defining including at least one void in an interior thereof;
• insert means formed separately from the means for defining, the insert means being positioned to align with and cover the at least one void;
• means for securely maintaining the insert means coupled with the means for defining, wherein the means for securely maintaining extends around at least a portion of an outer edge of the insert means and is secured to a substantially planar surface of the means for defining adjacent the at least one void;
• and
• means for linking the stored-value card to a financial account or record;
• wherein the means for defining the overall shape of the stored-value card includes a depiction of a character, and the insert means is positioned relative to the character so as to appear as one or more eyes of the character.

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

• displaying a financial transaction card including an account identifier linking the financial transaction card to a financial account or record, the financial transaction card including:
• a substrate defining a first substantially planar surface and an opening extending through the substrate,
• an insert member aligned with the opening and defining an outer edge, wherein at least a portion of the insert member extends outwardly beyond the first substantially planar surface of the substrate, and
• a ring extending substantially around and abutting the outer edge of the insert member, wherein the ring is coupled with the first substantially planar surface to at least partially couple the insert member to the substrate;
• and
• activating the financial transaction card to permit deductions from the financial account or record.