Idea Of The Day. A new Idea Each Day. Some Don't Suck.



We post an all new idea every day. If you find an idea you like... do something about it. Make it happen.

Our Latest Posts About: Credit Cards

Alerts Before Fees!

Why don't banks and credit card companies warn you before charging a fee?


It drives me crazy whenever I get an overdraft or late fee from a bank or credit card company. Most of the time, its because of a simple oversight, which could've been avoided if they had the courtesy of sending me an alert BEFORE they assess the fee.

This would be super easy to implement. Most of them already have our email address and mobile phone numbers. All they need to do is send us an alert, giving us a little time to fix the problem. For banks, that could simply mean an hour or so to transfer money, and for credit card companies, just give us a day to make an online or phone payment.

A little courtesy can go a long way towards eliminating problems like this, but I have the feeling they lik... [More]

Continue...Alerts Before Fees!...

Isn't it a pain in the neck when a stored credit card expires and you have to update dozens of accounts?


Just about everyone today has at least a few bills that are automatically paid by a stored debit or credit card number. In fact, for a lot of people, they rarely need to write a physical check, because they can pay just about every bill from a stored card number.

Unfortunately, stored cards have expiration dates, and from time to time a bank will send out new cards even before the expiration dates. For example, my bank changed their logo a few years ago, so they issued new cards, and they sent another replacement when they incorporated support for the new chip based security.

In each case, whenever a card expiration date changes, we are forced to change the stored card... [More]

Continue...There Should Be a Way to Pay Bills With Credit Cards That Don't Expire...

Single Use Credit Card Numbers

LARGE-362

Welcome to Billy Ray Valentine's Half Price Persian Rug Site. Please enter your credit card here.


Let's face it, we all love to hunt for bargains online, but it's hard to tell which sites you can trust enough to give your credit card number to. Not only do you risk paying for something that never arrives, but there's a good chance the site itself could be a complete hoax designed to steal credit card numbers.

One easy solution would be to have Single Use Credit Card Numbers. The concept is simple. Rather than read the numbers off your own card, the card company can issue a single use card number on their web site, or through an App. When you need to make a purchase, instead of entering your regular account number, you can just pop in the Single Use Card Number and a even... [More]

Continue...Single Use Credit Card Numbers...

2 Step Credit Cards

LARGE-214

You're on your way back from Walmart. You dropped your credit card. That's okay. Nobody can use it but you.


Two Step Credit Cards could eliminate almost all fraudulent credit card transactions. Really.

The key to protecting credit cards from fraudulent transactions is to somehow guarantee that the card owner is the only person who can use the card. So how can we do that, especially now that many stores don't even require a signature for small transactions?

One way us to use 2 Step Credit Cards, which are cards that are linked to a cell phone or some other wireless device. Once the card is registered, every time you make a purchase, it sends an alert to your device asking for approval. Assuming you link it to a cell phone, which is always with you, you simply approve... [More]

Continue...2 Step Credit Cards...

Top 25 Posts


* Note: The ideas on "Idea of the Day" were posted without any formal research into existing inventions.

In some cases, patents may already exist for these ideas, in other cases, there may not be any existing patents and you are free to develop and explore the viability of developing and patenting the ideas.

The authors make no claim that any of the ideas are safe, practical, or suitable for any particular purpose. You are responsible for the results of trying, developing, patenting or using any of the ideas on this site.

For some people, our ideas are just an interesting read, but our goal is to encourage you to take action. If you see an idea that you like, do something with it... Take action.


- Joe
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