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Most of us use credit or debit cards regularly, and normally there are no problems verifying that these cards belong to us. However, s

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ometimes there are extra security measures or technical problems that make it hard to verify if a card belongs to someone or not. If y

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

ou find yourself in this situation, there are a number of steps you can take to resolve the situation.

Entering the wrong PIN

If you

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

have a number of cards or are just in a rush, it can be easy to enter the wrong PIN in a cash machine or retail machine. If this happe

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

ns, you have two more chances to enter the right PIN. Sometimes software error can cause your PIN to not be authorised, especially in

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

handheld chip and PIN machines. If you are unsure of your PIN then stop trying. If you enter the wrong PIN three times then your card

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ill be locked and you will have to call your card issuer to sort out the situation.

Phoning your card issuer

When you need to sort o

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ut any disputes or get some questions answered by your card issuer, you will likely need to provide some information. Simply providing

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

your card number and name will not be enough, and either your credit limit, date of birth or bank statement details will also need to

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

be provided. Although this may seem like a tedious process, it is for your own security.

Shop authorisation on the phone

When you bu

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

y something from a shop, there are times when extra information is required. These checks are usually done by the card company and are

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

random, and help to monitor security levels. You will usually be asked for some extra personal information or card details in order t

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

verify your purchase. If this happens to you, don’t think you are in trouble, just remember that it is all for your own safety and se

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

curity.

If your card is denied

There is a possibility that even if you have enough credit your card will be denied. This might mean

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

your card has been used illegally, or simply that the authorisation system is not working properly and your card cannot be verified. T

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

y and remain calm and don’t panic, as this can happen to anyone at any time. You can always try the card again, but if it doesn’t work

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

you will need to use another card or phone up your card issuer immediately. Usually the problem can be sorted very quickly.

Signing

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

for your purchases

If you go anywhere and you are still asked to sign for your goods instead of using Chip and PIN, then be very caut

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ous. Everywhere should get you to use Chip and PIN now, and if they don’t they are putting you and themselves at a greater risk of fra

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

ud. Make sure that proper authorisation is given before paying for anything at all. This will help your card to remain safe and secure

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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