A stored value account includes a general stored value field and may include at least one stored value sub-field. The sub-field may represent a category and include category-specific benefits stored in the sub-field by a issuer of the stored-value account. The category benefits may include discounts,...http://www.google.com/patents/US7512566?utm_source=gb-gplus-sharePatent US7512566 - System and method for using a stored value account having subaccount feature
