have electronic functionality provided by a network of electronic circuitry that is printed or otherwise incorporated onto or within the transaction instrument and typically referred to as a u201c smart card u201d or be a fob having a transponder and an rfid reader u201c open cards u201d are financial transaction cards that are generally accepted at different merchants examples of open cards include the american express u00ae visa u00ae mastercard u00ae and discover u00ae cards which may be used at many different retailers and other businesses in contrast u201c closed cards u201d are financial transaction cards that may be restricted to use in a particular store a particular chain of stores or a collection of affiliated stores one example of a closed card is a pre paid gift card that may only be purchased at and only be accepted at a clothing retailer such as the gap u00ae store stored value cards are forms of transaction instruments associated with transaction accounts wherein the stored value cards provide cash equivalent value that may be used within an existing payment transaction infrastructure stored value cards are frequently referred to as gift pre paid or cash cards in that money is deposited in the account associated with the card before use of the card is allowed for example if a customer deposits.