The present invention is a stored value toy, and a method for sensing a stored value toy. A stored value toy integrates the functionality of a stored value card, or a gift card, into a three-dimensional toy, such as a model vehicle. The method includes sensing an account identifier from an account indicium permanently coupled in the toy, associating the identifier with an account, and taking some action involving the account. The action might be reading the account balance, initializing the balance with an amount, increasing the balance, or decreasing the balance.
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