What is claimed is:
1. A method, comprising: providing a universal electronic transaction facility.
2. The method of claim 1, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
3. The method of claim 1, further comprising providing a secure, distributed web-based platform that is associated with the universal electronic transaction facility.
4. The method of claim 1 , further comprising providing a secure transaction capability to a user via the universal electronic transaction facility.
5. The method of claim 3, further comprising providing a secure transaction capability to a user via the universal electronic transaction facility and in association with the web-based platform.
6. The method of claim 1, wherein the universal electronic transaction facility is a client device.
7. The method of claim 1, wherein the universal electronic transaction facility operates in accordance with a wallet metaphor.
8. The method of claim 1, wherein the universal electronic transaction facility does not operate in accordance with a wallet metaphor.
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9. The method of ciaim 4, wherein the transaction capability is associated with a payment application.
10. The method of claim 4, wherein the transaction capability is associated with a non-payment application.
11. The method of claim 1, wherein the universal electronic transaction facility is a personal device.
12. The method of claim 1, wherein the universal electronic transaction facility is a public device.
13. The method of claim 4, wherein the secure transaction capability comprises an ability to issue an acknowledgement of a transaction to the universal electronic transaction facility.
14. The method of claim 13, wherein the acknowledgement is a receipt.
15. The method of claim 1, wherein the universal electronic transaction facility is capable of interacting with multiple domains.
16. The method of claim 1, further comprising transmitting data to the universal transaction facility.
17. The method of claim 16, wherein the data are at least one of an acknowledgement, a receipt, a token.
18. The method of claim 16, wherein the universal electronic transaction facility is capable of encrypting the data at the universal electronic transaction facility.
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■ ' !VU S ιΑ/ 3 «% 09 ;il 19. The method of claim 18, wherein the universal electronic transaction facility is further capable of storing the encrypted data at the universal electronic transaction facility.
20. The method of claim 19, wherein the data are a one or more instances of one or more of the following things: a bill, an acknowledgement, a receipt, a statement, a loyalty statement, a coupon, a promotion, a transaction summary, a violation record, a ticket, a driver's license, a check book, a check, a token.
21. A system, comprising: a universal electronic transaction facility.
22. The system of claim 21, wherein the universal electronic transaction facility includes a generator of a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
23. The system of claim 21, further comprising a secure, distributed web-based platform associated with the universal electronic transaction facility.
24. The system of claim 21, further comprising a secure transaction facility associated with the universal electronic transaction facility.
25. The system of claim 23, further comprising a secure transaction facility associated with the universal electronic transaction facility and the web-based platform.
26. The system of claim 21, wherein the universal electronic transaction facility is a client device.
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27. The system of claim 21, wherein the universal electronic transaction facility is operable in accordance with a wallet metaphor.
28. The system of claim 21, wherein the universal electronic transaction facility is not operable in accordance with a wallet metaphor.
29. The system of claim 24, wherein the transaction capability is associated with a payment application.
30. The system of claim 24, wherein the transaction capability is associated with a non-payment application.
31. The system of claim 21 , wherein the universal electronic transaction facility is a personal device.
32. The system of claim 21, wherein the universal electronic transaction facility is a public device.
33. The system of claim 24, wherein the secure transaction capability comprises a transaction acknowledgement facility in communication with the universal electronic transaction facility.
34. The system of claim 33, wherein the acknowledgement facility includes a receipt.
35. The system of claim 21, wherein the universal electronic transaction facility includes interaction capability for multiple domains.
36. The system of claim 21, further comprising a data transmission facility in communication with the universal transaction facility.
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37. The system of claim 36, wherein the data transmission facility includes at least one of: an acknowledgement, a receipt, and a token.
38. The system of claim 36, wherein the universal electronic transaction facility includes a data encryption facility.
39. The system of claim 38, wherein the universal electronic transaction facility includes an encrypted data storage facility.
40. The system of claim 39, wherein the encrypted data storage facility includes data storage capacity for at least one of: a bill, an acknowledgement, a receipt, a statement, a loyalty statement, a coupon, a promotion, a transaction summary, a violation record, a ticket, a driver's license, a check book, a check, and a token.
41. A method, comprising: providing an operative coupling between a universal electronic transaction facility and an external system.
42. The method of claim 41, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
43. The method of claim 41, wherein the external system is a transactional system.
44. The method of claim 43, wherein the transactional system is a point-of-sale system.
45. The method of claim 41, wherein the operative coupling is secure.
46. The method of claim 41, wherein the operative coupling is wireless.
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47. The method of claim 41, wherein the operative coupling is wired.
48. A system, comprising: a universal electronic transaction facility; and an external system operatively coupled thereto.
49. The system of claim 48, wherein the universal electronic transaction facility includes a separate security protocol facility based on at least a domain, a device and a user of the universal electronic transaction facility.
50. The system of claim 48, wherein the external system is a transactional system.
51. The system of claim 50, wherein the transactional system is a point-of-sale system.
52. The system of claim 48, wherein operatively coupled is securely coupled.
53. The system of claim 48, wherein operatively coupled is wirelessly coupled.
54. The system of claim 48, wherein operatively coupled is wired.
55. A method, comprising: receiving data from a universal electronic transaction facility; and conducting an action in response to the data received from a universal electronic transaction facility.
56. The method of claim 55, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
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57. The method of claim 55, further comprising issuing a token to a user of a universal electronic transaction facility prior to receiving the data, wherein the data are associated with the token.
58. The method of claim 57, wherein the action is a transaction that is based on verification of the token.
59. The method of claim 57, wherein issuing the token is done securely and electronically.
60. The method of claim 57, wherein the token is personalized to the user.
61. The method of claim 57, wherein the token is not personalized to the user.
62. The method of claim 57, wherein the token encompasses necessary data for conducting the action.
63. The method of claim 57, wherein the token encodes at least one of an image or branding.
64. The method of claim 57, wherein issuing the token is done over a wired medium.
65. The method of claim 57, wherein issuing the token is done over a wireless medium.
66. The method of claim 57, wherein the token is associated with at least one of a credit card, a bank account, a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, or a coupon.
67. The method of claim 55, further comprising issuing a plurality of tokens to a user of a universal electronic transaction facility prior to receiving the data, wherein the data are associated with the token.
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68. The method of claim 58, wherein the transaction is conducted in a real world.
69. The method of claim 58, wherein the transaction is conducted in. a virtual world.
70. The method of claim 68, wherein the real world contains a device-to-device communication.
71. The method of claim 68, wherein the real world contains a bar code and bar code reader.
72. The method of claim 58, wherein the transaction is associated with a biometric parameter.
73. The method of claim 58, wherein the transaction is not associated with a biometric parameter.
74. The method of claim 68, wherein the transaction conducted in a real world is a proximity transaction.
75. The method of claim 68, wherein the transaction conducted in a virtual world is an over-the-air transaction.
76. The method of claim 55, further comprising securing the action using three-dimensional authentication.
77. The method of claim 76, wherein three-dimensional authentication involves verifying the identity of a user, the universal electronic transaction facility, and a domain.
78. A system, comprising: a universal electronic transaction facility; and
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79. The system of claim 78, wherein the universal electronic transaction facility includes a separate security protocol facility based on at least a domain, a device and a user of the universal electronic transaction facility.
80. The system of claim 78, further comprising a data token associated with the universal electronic transaction facility.
81. The system of claim 80, further comprising a token verification transaction.
82. The system of claim 80, wherein the data token is secure and electronic.
83. The system of claim 80, wherein the data token is personalized to a user.
84. The system of claim 80, wherein the data token is not personalized to a user.
85. The system of claim 80, wherein the data token includes necessary data for an action.
86. The system of claim 80, wherein the data token includes encoding for at least one of an image or branding.
87. The system of claim 80, wherein the association of the data token is over a wired medium.
88. The system of claim 80, wherein the association of the data token is over a wireless medium.
89. The system of claim 80, wherein
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90. The system of claim 82, further comprising a plurality of user data tokens associated with the universal electronic transaction, wherein data are associated with each user data token.
91. The system of claim 81, wherein the token verification transaction is a real world transaction.
92. The system of claim 81, wherein the token verification transaction is a virtual world transaction.
93. The system of claim 91, wherein the real world transaction includes device-to-device communication.
94. The system of claim 91, wherein the real world transaction includes a bar code reader and a bar code.
95. The system of claim 81, wherein the token verification transaction is associated with a biometric parameter.
96. The system of claim 81, wherein the token verification transaction is not associated with a biometric parameter.
97. The system of claim 91, wherein the real world transaction is a proximity transaction.
98. The system of claim 92, wherein the virtual world transaction is an over-the-air transaction.
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99. The system of claim 81, further comprising three-dimensional authentication security associated with the token verification transaction.
100. The system of claim 99, wherein three-dimensional authentication includes a user identity verification facility, a universal electronic transaction verification facility, and a domain verification facility.
101. The method of providing a service, comprising: communicating with a universal electronic transaction facility; and communicating with a service provider.
102. The method of claim 101, wherein the communication is associated with the provision of a service that is provided by the service provider.
103. The method of claim 101, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
104. The method of claim 102, wherein the service is provided to the user via the universal electronic transaction facility.
105. The method of claim 101, wherein the communication is secure.
106. The method of claim 105, wherein the secure communication is provided according to three-dimensional authentication.
107. The method of claim 101, wherein the communication is associated with the provision of a plurality of services that are provided by at least one of the service provider and a second service provider.
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108. The method of claim 101, wherein the communication is associated with a plurality of applications.
109. The method of claim 108, wherein at least one of the applications is personalized.
110. The method of claim 108, wherein at least one of the applications is non-personalized.
111. The method of claim 101, wherein the communication is in accordance with a user preference.
112. The method of claim 101, wherein the communication is in accordance with data that is provided by an expert system.
113. The method of claim 102, wherein the service is one of the following services: bill payment, person-to-person transaction, money order/transfer, prepaid airtime top-up, ticketing, marketing, electronic checking, licensing, health service, travel service, infotainment service, personal information management service, training, a lottery, voting.
114. A system, comprising: a universal electronic transaction facility; and a service provider in communication therewith.
115. The system of claim 114, wherein the service provider includes a service facility responsive to said communication.
116. The system of claim 114, wherein the universal electronic transaction facility includes a separate security protocol capacity based on at least a domain, a device and a user of the universal electronic transaction facility.
117. The system of claim 115, wherein
the service provider is in communication with a user via the universal electronic transaction facility.
118. The system of claim 114, wherein the communication is secure.
119. The system of claim 115, wherein the secure communication is three-dimensional authentication.
120. The system of claim 114, further comprising: a second service provider and a plurality of services associated with the at least one of the service provider and a second service provider.
121. The system of claim 114, further comprising: a plurality of applications associated with the service provider.
122. The system of claim 121, wherein at least one of the applications is personalized.
123. The system of claim 121, wherein at least one of the applications is non-personalized.
124. The system of claim 114, wherein the communication is in accordance with a user preference.
125. The system of claim 114, wherein the communication is in accordance with data that is provided by an expert system.
126. The system of claim 115, wherein the service facility includes one of the following services: bill payment, person-to-person transaction, money order/transfer, prepaid airtime top-up, ticketing, marketing, electronic checking, licensing, health service, travel service, infotainment service, personal information management service, training, a lottery, voting.
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127. A method, comprising: providing a multidimensional database in association with a universal electronic transaction facility.
128. The method of claim 127, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
129. A system, comprising: a multidimensional database; and a universal electronic transaction facility in association therewith.
130. The system of claim 129, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
131. A method, comprising: providing a personalized token in association with a universal electronic transaction facility.
132. The method of claim 131, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
133. The method of claim 131, wherein the personalized token is an official electronic identifier of the user.
134. The method of claim 133, wherein the personalized token is associated with at least one of the following things: a driver's license, a passport.
135. The method of claim 133, wherein the personalized token is at least one of the following kinds of token: a secure and electronic token, a branded token.
136. The method of claim 131, wherein the personalized token is provided at a point of transaction.
137. The method of claim 131, wherein the personalized token is provided in real time.
138. A system, comprising: a universal electronic transaction facility; and a personalized token in association therewith.
139. The system of claim 138, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
140. The system of claim 138, wherein the personalized token is an official electronic identifier of a user.
141. The system of claim 140, wherein the personalized token is associated with at least one of the following: a driver's license, a passport.
142. The system of claim 140, wherein the personalized token is at least one of the following: a secure and electronic token, a branded token.
143. The system of claim 138, wherein
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144. The system of claim 138, wherein the personalized token is a real time token.
145. A method, comprising: providing a merchant-oriented user interface in association with a universal electronic transaction facility, wherein the user interface allows the merchant to issue a token to a user of the universal electronic transaction facility.
146. The method of claim 145, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
147. The method of claim 145, wherein the token is a branded token.
148. The method of claim 147, wherein the branded token is secure and electronic.
149. The method of claim 147, wherein the branded token is associated with at least one of the following things: a driver's license, a passport, a statement, a coupon, a promotion, a ticket, a ticket associated with a violation, a check book, a check, a secure and electronic token, a branded token, a credit card, a bank account, a frequent flyer card, a stored value card, a loyalty card, an insurance card, a bill, a bill, a merchant-issued credit card, a merchant-issued loyalty card, prepaid airtime, a money order, a money transfer, an account.
150. A system, comprising: a universal electronic transaction facility; and a merchant-oriented user interface in association therewith, wherein
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151. The system of claim 150, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
152. The system of claim 150, wherein the user token issuing facility includes a branded token issuing facility.
153. The system of claim 152, wherein the branded token issuing facility is secure and electronic.
154. The system of claim 152, wherein the branded token issuing facility is associated with at least one of the following: a driver's license, a passport, a statement, a coupon, a promotion, a ticket, a ticket associated with a violation, a check book, a check, a secure and electronic token, a branded token, a credit card, a bank account, a frequent flyer card, a stored value card, a loyalty card, an insurance card, a bill, a bill, a merchant-issued credit card, a merchant-issued loyalty card, prepaid airtime, a money order, a money transfer, an account.
155. A method, comprising: providing a user interface for initializing a universal electronic transaction facility.
156. The method of claim 155, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
157. The method of claim 155, wherein
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158. The method of claim 157, wherein the at least one parameter is associated with at least one of the following things: a domain, a device, a user identifier, a password, a security protocol.
159. The method of claim 155, wherein the user is an administrator.
160. A system, comprising: a user interface, wherein the user interface includes an initializing facility for a universal electronic transaction facility.
161. The system of claim 160, further comprising: a separate security protocol based on at least a domain, a device and a universal electronic transaction facility user.
162. The system of claim 160, wherein the user interface includes a management facility in association with at least one universal electronic transaction facility parameter.
163. The system of claim 162, wherein the at least one universal electronic transaction facility parameter is associated with at least one of the following: a domain, a device, a user identifier, a password, a security protocol.
164. The method of claim 160, wherein the user interface is an administrator interface.
165. A method, comprising: providing a mobile wallet in association with a universal electronic transaction facility.
166. The method of claim 165, wherein
the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
167. The method of claim 165, wherein the mobile wallet includes an electronic representation of an item that is associated with a user.
168. The method of claim 167, wherein the item is at least one of the following things: a driver's license, a passport, a statement, a coupon, a promotion, a ticket, a ticket associated with a violation, a check book, a check, a secure and electronic token, a branded token, a credit card, a back card, a bank account, a frequent flyer card, a stored value card, a loyalty card, an insurance card, a bill, a bill, a merchant-issued credit card, a merchant-issued loyalty card, prepaid airtime, a money order, a money transfer, an account.
169. The method of claim 167, wherein the item is an official identity document of the user.
170. A system, comprising: a universal electronic transaction facility; and a mobile wallet in association therewith.
171. The system of claim 170, further comprising: a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility, wherein the separate security protocol is associated with the universal electronic transaction facility.
172. The system of claim 170, wherein the mobile wallet includes an electronic representation of a user item.
173. The system of claim 172, wherein
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174. The method of claim 172, wherein the user item is an official identity document of a user.
175. A method, comprising: providing a universal electronic transaction facility that is adapted to support a transaction within a non-standard transaction domain.
176. The method of claim 175, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
177. The method of claim 175., wherein the non-standard transaction domain is the Web and the universal electronic transaction facility supports transactions using a secure, Web-based, personalized portal.
178. The method of claim 175, wherein the non-standard transaction domain is associated with gaming and the universal electronic transaction facility supports transactions using a secure gaming portal.
179. The method of claim 175, wherein the non-standard transaction domain is associated with a merchant and the universal electronic transaction facility supports transactions using a secure merchant portal.
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the non-standard transaction domain is associated with a government and the universal electronic transaction facility supports transactions using a secure governmental portal.
181. The method of claim 175, wherein the non-standard transaction domain is associated with an enterprise and the universal electronic transaction facility supports transactions using a secure enterprise portal.
182. The method of claim 175, wherein the non-standard transaction domain is associated with health/fitness and the universal electronic transaction facility supports transactions using a secure health/fitness portal.
183. The method of claim 175, wherein the non-standard transaction domain is associated with a religion and the universal electronic transaction facility supports transactions using a secure religious portal.
184. The method of claim 175, wherein the non-standard transaction domain is associated with a sport and the universal electronic transaction facility supports transactions using a secure sports portal.
185. The method of claim 175, wherein the non-standard transaction domain is associated with insurance and the universal electronic transaction facility supports transactions using a secure insurance portal.
186. The method of claim 175, wherein the non-standard transaction domain is associated with a university and the universal electronic transaction facility supports transactions using a secure university portal.
187. The method of claim 175, wherein the non-standard transaction domain is associated with a party and the universal electronic transaction facility supports transactions using a secure party portal.
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188. The method of claim 187, wherein the party is a political party.
189. The method of claim 175, wherein the non-standard transaction domain is associated with a pharma-exchange and the universal electronic transaction facility supports transactions using a secure pharma-exchange portal.
190. The method of claim 175, wherein the non-standard transaction domain is associated with a commodity exchange and the universal electronic transaction facility supports transactions using a secure commodity exchange portal.
191. The method of claim 175, wherein the non-standard transaction domain is associated with an airline and the universal electronic transaction facility supports transactions using a secure airline portal.
192. The method of claim 175, wherein the non-standard transaction domain is associated with transportation and the universal electronic transaction facility supports transactions using a secure transportation portal.
193. A system, comprising: a universal electronic transaction facility adapted to support a transaction within a non-standard transaction domain.
194. The system of claim 193, further comprising: a separate security protocol based on at least a domain, a device and a universal electronic transaction facility user, wherein the separate security protocol is associated with the universal electronic transaction facility.
195. The system of claim 193, wherein
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196. The system of claim 193, wherein the non-standard transaction domain is associated with gaming and the universal electronic transaction facility includes a secure gaming portal.
197. The system of claim 193, wherein the non-standard transaction domain is associated with a merchant and the universal electronic transaction facility includes a secure merchant portal.
198. The system of claim 193, wherein the non-standard transaction domain is associated with a government and the universal electronic transaction facility includes a secure governmental portal.
199. The system of claim 193, wherein the non-standard transaction domain is associated with an enterprise and the universal electronic transaction facility includes a secure enterprise portal.
200. The system of claim 193, wherein the non-standard transaction domain is associated with health/fitness and the universal electronic transaction facility includes a secure health/fitness portal.
201. The system of claim 193, wherein the non-standard transaction domain is associated with a religion and the universal electronic transaction facility includes a secure religious portal.
202. The system of claim 193, wherein the non-standard transaction domain is associated with a sport and the universal electronic transaction facility includes a secure sports portal.
x- v o _ I 20<3.'U ThSe s0yspte.m/ o3f c?laiPm? 19J3,. w ,herei .n ~"~' ' " the non-standard transaction domain is associated with insurance and the universal electronic transaction facility includes a secure insurance portal.
204. The system of claim 193, wherein the non-standard transaction domain is associated with a university and the universal electronic transaction facility includes a secure university portal.
205. The system of claim 193, wherein the non-standard transaction domain is associated with a party and the universal electronic transaction facility includes a secure party portal.
206. The system of claim 205, wherein the party is a political party.
207. The system of claim 193, wherein the non-standard transaction domain is associated with a pharma-exchange and the universal electronic transaction facility includes a secure pharma-exchange portal.
208. The system of claim 193, wherein the non-standard transaction domain is associated with a commodity exchange and the universal electronic transaction facility includes a secure commodity exchange portal.
209. The system of claim 193, wherein the non-standard transaction domain is associated with an airline and the universal electronic transaction facility includes a secure airline portal.
210. The system of claim 193, wherein the non-standard transaction domain is associated with transportation and the universal electronic transaction facility includes a secure transportation portal.
211. A method, comprising:
providing a financial service "in association with a universal electronic transaction facility.
212. The method of claim 211, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
213. The method of claim 211, wherein the financial service is selected from the group consisting of bill payment, person-to-person payment, money order payment, funds transfer, a top-up transaction, a ticketing transaction, issuance of a coupon, and resolution of a check.
214. The method of claim 211, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, money order, money transfer token, a prepaid airtime token, a ticket, a ticket associated with a violation, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
215. The method of claim 214, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
216. The method of claim 211, wherein the universal electronic transaction facility is a client device.
217. The method of claim 214, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
218. The method of claim 217, wherein
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219. The method of claim 214, wherein the financial service further includes enabling a user to securely pay the bill using universal electronic transaction facility.
220. The method of claim 219, wherein paying the bill occurs in real time.
221. The method of claim 219, wherein paying the bill is associated with an on-line settlement of the bill.
222. The method of claim 219, wherein paying the bill is associated with an off-line settlement of the bill.
223. The method of claim 219, wherein paying the bill is associated with at least one of a preferred mode of payment, a preferred time, a preferred location.
224. The method of claim 214, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle; a ticket associated with a violation; a license.
225. The method of claim 224, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
227. The method of claim 224, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
228. The method of claim 224, wherein the electronic replica contains a payment stamp.
229. The method of claim 224, wherein the financial service further includes enabling a user to pay another user.
230. The method of claim 229, wherein the other user has a universal electronic transaction facility.
231. The method of claim 229, wherein paying another user occurs securely and in real time.
232. The method of claim 229, wherein paying another user is associated with an on-line settlement.
233. The method of claim 229, wherein paying another user is associated with an off-line settlement.
234. The method of claim 214, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
235. The method of claim 234, wherein
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236. The method of claim 234, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
237. The method of claim 234, wherein, issuing the transfer is initiated via wireless communications.
238. The method of claim 234, wherein issuing the transfer is initiated via proximity-based communications.
239. The method of claim 234, wherein the units are financial units.
240. The method of claim 234, wherein the units are airtime units.
241. The method of claim 224, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
242. The method of claim 234, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
243. The method of claim 224, wherein the electronic replica contains a summary that is associated with the financial service.
244. The method of claim 234, wherein the financial service is a ticket issuance service.
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245. The method of claim 243, wherein the summary is a frequent flyer summary.
246. The method of claim 224, wherein the electronic replica includes a cancelled check.
247. The method of claim 215, wherein the transaction involves procuring a service from a merchant.
248. The method of claim 214, wherein the financial service further includes enabling a top-up of an account, wherein the top-up is securely initiated at the universal electronic transaction facility.
249. The method of claim 214, wherein the financial service further includes securely redeeming the electronic replica.
250. The method of claim 249, wherein a wireless communication initiates securely redeeming the electronic replica.
251. The method of claim 249, wherein a proximity-based communication initiates securely redeeming the electronic replica.
252. The method of claim 214, wherein the financial service further includes securely receiving the electronic replica.
253. The method of claim 214, wherein the financial service is the issuance of a ticket that is associated with a violation, and wherein the electronic replica is of a driver's license.
254. The method of claim 215, wherein the transaction is a procurement of a service from a ticket issuer.
"/ U S O B/ '39 O 91 5. A system, comprising: a universal electronic transaction facility; and a financial service in association therewith.
256. The system of claim 255, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a universal electronic transaction facility user.
257. The system of claim 255, wherein the financial service is selected from the group consisting of bill payment, person-to-person payment, money order payment, funds transfer, a top-up transaction, a ticketing transaction, issuance of a coupon, and resolution of a check.
258. The system of claim 255, wherein the financial service includes: a secure issuance facility in association with the universal electronic transaction facility; and at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, money order, money transfer token, a prepaid airtime token, a ticket, a ticket associated with a violation, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
259. The system of claim 258, wherein the financial service further includes a communication facility comprising at least one of branding, an image, information required to complete a transaction.
260. The system of claim 255, wherein the universal electronic transaction facility is a client device.
261. The system of claim 258, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
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262. The system of claim 261, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of a check, a number of checks remaining, a number of days before a coupon can be redeemed, a redemption date, a date of travel, a due date, a time, a time of issuance, a financial balance.
263. The system of claim 258, wherein the financial service further includes a secure bill payment facility in association with the universal electronic transaction facility.
264. The system of claim 263, wherein the secure bill payment facility is real time based.
265. The system of claim 263, wherein the secure bill payment facility is associated with an on-line settlement of the bill.
266. The system of claim 263, wherein the secure bill payment facility is associated with an off-line settlement of the bill.
267. The system of claim 263, wherein the secure bill payment facility is associated with at least one of a preferred mode of payment, a preferred time, a preferred location.
268. The system of claim 258, wherein the financial service further comprises a secure electronic replica issuance facility, in communication with the universal electronic transaction facility, wherein the secure electronic replica issuance facility includes an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle; a ticket associated with a violation; a license.
269. The system of claim 268, wherein
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the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
270. The system of claim 268, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
271. The system of claim 268, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
272. The system of claim 268, wherein the electronic replica contains a payment stamp.
273. The system of claim 268, wherein the financial service further includes a user-to-user payment enabling facility for a plurality of users.
274. The system of claim 273, wherein at least one additional user of the plurality of users has a universal electronic transaction facility.
275. The system of claim 273, wherein the user-to-user payment enabling facility is secure and in real time.
276. The system of claim 273, wherein the user-to-user payment enabling facility is associated with an on-line settlement.
277. The system of claim 273, wherein the user-to-user payment enabling facility is associated with an off-line settlement.
278. The system of claim 258, wherein
u v, vs the financial service further includes a unit transfer enabling facility, wherein the unit transfer enabling facility is in secure communication with the universal electronic transaction facility.
279. The system of claim 278, wherein the financial service includes a unit debiting facility in association with a first account and a unit crediting facility in association with a second account, wherein at least one of the unit debiting facility or unit crediting facility is contingent on a user and request validation.
280. The system of claim 278, further comprising a service provider request issuance facility associated with a service provider crediting and debiting facility.
281. The system of claim 278, wherein, the unit transfer enabling facility is in communication via wireless communications.
282. The system of claim 278, wherein the unit transfer enabling facility is in communication via proximity-based communications.
283. The system of claim 278, wherein the unit transfer enabling facility includes financial units.
284. The system of claim 278, wherein the unit transfer enabling facility includes airtime units.
285. The system of claim 268, wherein the secure electronic replica issuance facility includes an electronic replica delivery facility responsive to: a) the universal electronic transaction facility and b) a user fund receipt facility associated with the financial service.
286. The system of claim 278, wherein the financial service further comprises a user funds enablement and receipt facility.
287. The system of claim 268, wherein the electronic replica contains a summary that is associated with the financial service.
288. The system of claim 278, wherein the financial service is a ticket issuance service.
289. The system of claim 287, wherein the summary is a frequent flyer summary.
290. The system of claim 268, wherein the electronic replica includes a cancelled check.
291. The system of claim 259, wherein the transaction involves merchant service procurement.
292. The system of claim 258, wherein the financial service further includes secure account top-up enablement, responsive to the universal electronic transaction facility.
293. The system of claim 258, wherein the financial service further includes secure redemption of the electronic replica.
294. The system of claim 263, further including a secure electronic replica redemption facility.
295. The system of claim 294, wherein the secure electronic replica redemption facility is proximity-based.
296. The system of claim 258, wherein the financial service further includes a secure electronic replica receiving facility.
297. The system of claim 258, wherein the financial service includes a ticket issuance facility associated with a violation, and wherein the electronic replica is of a driver's license.
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298. The system of claim 259, wherein the transaction includes ticket issuer service procurement.
299. A method, comprising: providing an informational service in association with a universal electronic transaction facility.
300. The method of claim 299, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
301. The method of claim 299, wherein the informational service is provided upon completion of the separate security protocols.
302. The method of claim 299, wherein the informational service is personalized based on a user of the universal electronic transaction facility.
303. A system, comprising: a universal electronic transaction facility; and an informational service in association therewith.
304. The system of claim 303, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a universal electronic transaction facility user.
305. The system of claim 303, wherein the informational service is responsive to the separate security protocols.
306. The system of claim 303, wherein the informational service includes a personalization facility responsive to a universal electronic transaction facility user.
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307. A method, comprising: implementing a universal electronic transaction facility on a handheld device of the user.
308. The method of claim 307, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
309. The method of claim 307, wherein the handheld device is a handset.
310. A system, comprising: a universal electronic transaction facility; and a hand-held device implementation facility in association therewith.
311. The system of claim 310, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
312. The system of claim 310, wherein the hand-held device implementation facility is a handset implementation facility.
313. A method, comprising: providing a universal electronic transaction facility; and displaying a user's financial account information on the universal electronic transaction facility.
314. The method of claim 313, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
315. * T She O miSet1h/od 3 o 9f c Plai-5m9A 313, wherein the universal electronic transaction facility encompasses a handheld device of the user.
316. The method of claim 315, wherein the handheld device is a handset.
317. A system, comprising: a universal electronic transaction facility; and a user financial account information display facility in association therewith.
318. The system of claim 317, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
319. The system of claim 317, wherein the universal electronic transaction facility includes a user handheld device.
320. The system of claim 319, wherein the user handheld device is a handset.
321. A method, comprising: providing a universal electronic transaction facility; and providing a train ticket on the universal electronic transaction facility of a user.
322. The method of claim 321, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
323. The method of claim 321, wherein the universal electronic transaction facility encompasses a handheld device of the user.
324. The method of claim 323, wherein the handheld device is a handset.
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325. A system, comprising: a universal electronic transaction facility; and a user train ticket in association therewith.
326. The system of claim 325, wherein the universal electronic transaction facility includes a separate security protocol based on at least a domain, a device and a universal electronic transaction facility user.
327. The system of claim 325, wherein the universal electronic transaction facility includes a user handheld device.
328. The system of claim 327, wherein the user handheld device is a handset.
329. A method, comprising: providing a universal electronic transaction facility, and providing a secure transaction facility in association with the universal electronic transaction facility.
330. The method of claim 329, further comprising a client device that interfaces with the secure transaction facility.
331. The method of claim 329, wherein the secure transaction facility is supported by a secure distributed web-based platform.
332. The method of claim 329, wherein the universal electronic transaction facility operates in accordance with a wallet metaphor.
333. The method of claim 329, wherein the universal electronic transaction facility is associated with a payment application.
334. The method of claim 329, wherein the universal electronic transaction facility is personalized for a user.
335. The method of claim 334, wherein the user is identified to the system via a RPID.
336. A system, comprising: a universal electronic transaction facility, and a secure transaction facility in association with the universal electronic transaction facility.
337. The system of claim 336, further comprising a client device that interfaces with the secure transaction facility.
338. The system of claim 336, wherein the secure transaction facility is supported by a secure distributed web-based platform.
339. The system of claim 336, wherein the universal electronic transaction facility operates in accordance with a wallet metaphor.
340. The system of claim 336, wherein the universal electronic transaction facility is associated with a payment application.
341. The system of claim 336, wherein the universal electronic transaction facility is personalized for a user.
342. The system of claim 341, wherein the user is identified to the system via a RFID.
343. A method, comprising: providing a universal electronic transaction facility, wherein the user interface allows a user electronically to obtain a token for conducting transactions.
344. The method of claim 343, wherein
the universal electronic transaction facility is capable of providing a separate security protocol associated with obtaining the token.
345. The method of claim 343, wherein the token is a branded token.
346. The method of claim 343, wherein the token is issued directly to a personal client device of the user.
347. The method of claim 346, wherein the personal client device is selected from the group consisting of a PC, a mobile phone, and a mobile personal computer.
348. The method of claim 343, wherein the token is issued directly to a public client device of the user.
349. The method of claim 343, wherein the token is issued through a wireless medium.
350. The method of claim 343, wherein the token is issued through a wired medium.
351. The method of claim 345, wherein the branded token is associated with at least one of the following things: a driver's license, a passport, a statement, a coupon, a promotion, a ticket, a ticket associated with a violation, a check book, a check, a secure and electronic token, a branded token, a credit card, a bank account, a frequent flyer card, a stored value card, a loyalty card, an insurance card, a bill, a bill, a merchant-issued credit card, a merchant-issued loyalty card, prepaid airtime, a money order, a money transfer, an account.
352. A system, comprising: a universal electronic transaction facility, wherein
353. The system of claim 352, wherein the universal electronic transaction facility is capable of providing a separate security protocol associated with obtaining the token.
354. The system of claim 352, wherein the token is a branded token.
355. The system of claim 352, wherein the token is issued directly to a personal client device of the user.
356. The system of claim 355, wherein the personal client device is selected from the group consisting of a PC, a mobile phone, and a mobile personal computer.
357. The system of claim 352, wherein the token is issued directly to a public client device of the user.
358. The system of claim 352, wherein the token is issued through a wireless medium.
359. The system of claim 352, wherein the token is issued through a wired medium.
360. The system of claim 354, wherein the branded token is associated with at least one of the following things: a driver's license, a passport, a statement, a coupon, a promotion, a ticket, a ticket associated with a violation, a check book, a check, a secure and electronic token, a branded token, a credit card, a bank account, a frequent flyer card, a stored value card, a loyalty card, an insurance card, a bill, a bill, a merchant-issued credit card, a merchant-issued loyalty card, prepaid airtime, a money order, a money transfer, an account.
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361. A method, comprising: providing a universal electronic transaction facility, wherein the user interface allows a user securely and electronically to reproduce data for conducting transactions on a client device
362. The method of claim 361, wherein the data for conducting transactions comprises at least one data set associated with a first existing account.
363. The method of claim 362, wherein the first existing account is selected from the group consisting of a credit card account, a debit account, a bank account, a brokerage firm account, and a vendor account.
364. The method of claim 362, further comprising a second data set associated with a second existing account.
365. The method of claim 364, wherein the second existing account is selected from the group consisting of a credit card account, a debit account, a bank account, a brokerage firm account, and a vendor account.
366. The method of claim 361 , wherein the user interface displays branding data in association with the data for conducting transactions on the client device.
367. The method of claim 361, wherein the data for conducting transactions is reproduced on a personal client device of the user.
368. The method of claim 367,
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369. The method of claim 361, wherein the data for conducting transactions is reproduced on a public client device of the user.
370. The method of claim 369, wherein the public client device is designated for temporary personal use.
371. The method of claim 361 , wherein the data reproduced on the client device is directly displayed on the client device.
372. The method of claim 361, wherein the data reproduced on the client device is indicated by an on-screen icon.
373. The method of claim 372, wherein the on-screen icon is associated with branding data.
374. A system, comprising: a universal electronic transaction facility, wherein the user interface allows a user securely and electronically to reproduce data for conducting transactions on a client device
375. The system of claim 374, wherein the data for conducting transactions comprises at least one data set associated with a first existing account.
376. The system of claim 375, wherein the first existing account is selected from the group consisting of a credit card account, a debit account, a bank account, a brokerage firm account, and a vendor account.
τ 37/7.u Tsheα sysste/m3 of9 cloaimy 3±75, further comprising a second data set associated with a second existing account.
378. The system of claim 377, wherein the second existing account is selected from the group consisting of a credit card account, a debit account, a bank account, a brokerage firm account, and a vendor account.
379. The system of claim 374, wherein the user interface displays branding data in association with the data for conducting transactions on the client device.
380. The system of claim 374, wherein the data for conducting transactions is reproduced on a personal client device of the user.
381. The system of claim 380, wherein the personal client device is selected from the group consisting of a PC, a mobile phone, and a mobile personal computer.
382. The system of claim 374, wherein the data for conducting transactions is reproduced on a public client device of the user.
383. The system of claim 382, wherein the public client device is designated for temporary personal use.
384. The system of claim 374, wherein the data reproduced on the client device is directly displayed on the client device.
385. The system of claim 374, wherein the data reproduced on the client device is indicated by an on-screen icon.
T 38S6.. u Tsne e sy Sste /mB ' ofB cplaim *& 3&85-, wherein the on-screen icon is associated with branding data.
387. A method, comprising: providing a universal electronic transaction facility; and providing a secure transaction facility in association with the universal electronic transaction facility, wherein the secure transaction facility permits a user to conduct a secure transaction.
388. The method of claim 387, wherein the secure transaction facility permits the user to conduct the secure transaction using a client device with a real-world security capability selected from the group consisting of infrared, RF, bar code and proximity sensor.
389. The method of claim 388, wherein the real-world security capability is adapted for a proximity transaction.
390. The method of claim 388, wherein the client device is a personal device.
391. The method of claim 388, wherein the client device is a public device for temporary personal use.
392. The method of claim 387, wherein the secure transaction facility permits the user to conduct the secure transaction using a client device with a virtual-world security capability.
393. The method of claim 392, wherein the virtual-world security capability is adapted for an over-the-air transaction.
394. The method of claim 392, wherein
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395. The method of claim 392, wherein the client device is a public device for temporary personal use.
396. The method of claim 387, further comprising providing biometric parameters for access to the secure transaction facility.
397. The method of claim 387, further comprising providing a secure, personalized web-based portal that is associated with the universal electronic transaction facility.
398. The method of claim 397, wherein the secure, personalized web-based portal provides access to an additional transactional service.
399. A system, comprising: a universal electronic transaction facility; and a secure transaction facility in association with the universal electronic transaction facility, wherein the secure transaction facility permits a user to conduct a secure transaction.
400. The system of claim 399, wherein the secure transaction facility permits the user to conduct the secure transaction using a client device with a real-world security capability selected from the group consisting of infrared, RF, bar code and proximity sensor.
401. The system of claim 400, wherein the real- world security capability is adapted for a proximity transaction.
402. The system of claim 400, wherein the client device is a personal device.
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404. The system of claim 399, wherein the secure transaction facility permits the user to conduct the secure transaction using a client device with a virtual-world security capability.
405. The system of claim 404, wherein the virtual-world security capability is adapted for an over-the-air transaction.
406. The system of claim 404, wherein the client device is a personal device.
407. The system of claim 404, wherein the client device is a public device for temporary personal use.
408. The system of claim 399, further comprising biometric parameters for access to the secure transaction facility.
409. The system of claim 399, further comprising a secure, personalized web-based portal that is associated with the universal electronic transaction facility.
410. The system of claim 409, wherein the secure, personalized web-based portal provides access to an additional transactional service.
411. A method, comprising: providing a universal electronic transaction facility, wherein the user interface allows a user electronically to obtain a response to an executed transaction.
412. The method of claim 411, wherein
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receipt for the executed transaction.
413. The method of claim 411, wherein the response to the executed transaction comprises an acknowledgement for the executed transaction.
414. The method of claim 411, wherein the response to the executed transaction comprises a confirmation for the executed transaction.
415. The method of claim 411, wherein the response is issued directly to a client device of the user.
416. The method of claim 415, wherein the client device is a personal client device.
417. The method of claim 415, wherein the client device is a public device configured for temporary use.
418. The method of claim 411, further comprising a secure, personalized web-based portal associated with the universal electronic transaction facility to receive the response.
419. The method of claim 415, wherein an electronic replica of the response is stored on the client device.
420. The method of claim 418, wherein an electronic replica of the response is stored in association with the web-based portal.
421. The method of claim 419, wherein the electronic replica is archived in an addressable archive.
"Wm mSio. wherein the electronic replica is archived in an addressable archive.
423. A system, comprising: a universal electronic transaction facility, wherein the user interface allows a user electronically to obtain a response to an executed transaction.
424. The system of claim 423, wherein the response to the executed transaction comprises a receipt for the executed transaction.
425. The system of claim 423, wherein the response to the executed transaction comprises an acknowledgement for the executed transaction.
426. The system of claim 423, wherein the response to the executed transaction comprises a confirmation for the executed transaction.
427. The system of claim 423, wherein the response is issued directly to a client device of the user.
428. The system of claim 427, wherein the client device is a personal client device.
429. The system of claim 427, wherein the client device is a public device configured for temporary use.
430. The system of claim 423, further comprising a secure, personalized web-based portal associated with the universal electronic transaction facility to receive the response.
431. The system of claim 427, wherein
an eiedrόnic'replTca'Of" ϊhe response is stored on the client device.
432. The system of claim 430, wherein an electronic replica of the response is stored in association with the web-based portal.
433. The system of claim 431 , wherein the electronic replica is archived in an addressable archive.
434. The system of claim 432, wherein the electronic replica is archived in an addressable archive.
435. A method, comprising providing a universal electronic transaction facility, wherein the universal electronic transaction facility is capable of interacting securely with multiple domains.
436. The method of claim 435, wherein the universal electronic transaction facility interacts with multiple domains wirelessly.
437. The method of claim 435, wherein the universal electronic transaction facility interacts with multiple domains via wired connections.
438. The method of claim 435, wherein the universal electronic transaction facility provides a personalized token to a user via a client device.
439. The method of claim 438, wherein the client device is a personal client device.
440. The method of claim 438, wherein
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441. The method of claim 435, wherein the universal electronic transaction facility initiates a transaction from a client device.
442. The method of claim 435, wherein the universal electronic transaction facility completes a transaction from the client device.
443. The method of claim 435, wherein the universal electronic transaction facility transmits to the client device a response for an executed transaction.
444. The method of claim 443, wherein the response comprises an acknowledgement of the executed transaction.
445. The method of claim 443, wherein the response comprises a receipt for an executed transaction.
446. A system, comprising a universal electronic transaction facility, wherein the universal electronic transaction facility is capable of interacting securely with multiple domains.
447. The system of claim 446, wherein the universal electronic transaction facility interacts with multiple domains wirelessly.
448. The system of claim 446, wherein the universal electronic transaction facility interacts with multiple domains via wired connections.
449. The system of claim 446, wherein
fh'e univlr§areleOTθήib'' transaction facility provides a personalized token to a user via a client device.
450. The system of claim 449, wherein the client device is a personal client device.
451. The system of claim 449, wherein the client device is a public device for temporary personal use.
452. The system of claim 446, wherein the universal electronic transaction facility initiates a transaction from a client device.
453. The system of claim 446, wherein the universal electronic transaction facility completes a transaction from the client device.
454. The system of claim 446, wherein the universal electronic transaction facility transmits to the client device a response for an executed transaction.
455. The system of claim 454, wherein the response comprises an acknowledgement of the executed transaction.
456. The system of claim 454, wherein the response comprises a receipt for an executed transaction.
457. A method, comprising: receiving data from a universal electronic transaction facility; and carrying out a transaction in response to the data received from a universal electronic transaction facility.
458. The method of claim 457, further comprising
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'"" prόvi'αing a seiparaϊe security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
459. The method of claim 458, further comprising applying the security protocol to the transaction to secure the transaction.
460. The method of claim 459, wherein the security protocol employs three-dimensional authentication to secure the transaction.
461. The method of claim 460, wherein the three dimensional authentication involves verifying the identity of the user, the universal transaction facility and the domain.
462. The method of claim 458, wherein the separate security protocol employs cryptographic tools.
463. The method of claim 458, wherein the separate security protocol employs strength of encryption.
464. The method of claim 458, further comprising customizing the nature of Public/Private Key Infrastructure on a per user, per device and per domain basis.
465. The method of claim 457, wherein the transaction is a proximity transaction.
466. The method of claim 457, wherein the transaction is an over-the-air transaction.
467. The method of claim 457, wherein the transaction comprises issuance of a token.
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468. The method of claim 457, wherein the transaction comprises issuance of a receipt.
469. A system, comprising: a universal electronic transaction facility; and a transaction facility for carrying out a transaction in response to data received from the universal electronic transaction facility.
470. The system of claim 469, further comprising a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
471. The system of claim 470, wherein the security protocol is applied to the transaction to secure the transaction.
472. The system of claim 471, wherein the security protocol employs three-dimensional authentication to secure the transaction.
473. The system of claim 472, wherein the three dimensional authentication involves verifying the identity of the user, the universal transaction facility and the domain.
474. The system of claim 470, wherein the separate security protocol employs cryptographic tools.
475. The system of claim 470, wherein the separate security protocol employs strength of encryption.
476. The system of claim 470, further comprising a Public/Private Key Infrastructure customized on a per user, per device and per domain basis.
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411. The system of claim 469, wherein the transaction is a proximity transaction.
478. The system of claim 469, wherein the transaction is an over-the-air transaction.
479. The system of claim 469, wherein the transaction comprises issuance of a token.
480. The system of claim 469, wherein the transaction comprises issuance of a receipt.
481. A method, comprising: providing a universal electronic transaction facility having a user interface, wherein the user interface allows a user to execute a transaction.
482. The method of claim 481, further comprising providing a secure transaction capability to a user via the universal electronic transaction facility.
483. The method of claim 481, wherein the universal electronic transaction facility is a client device.
484. The method of claim 481 , wherein the user interface allows the user to obtain an electronic token for executing the transaction.
485. The method of claim 481, wherein the user interface allows the user to obtain a response after executing the transaction.
486. The method of claim 482, wherein
'" the 'secure ' transection' capability protects electronic data stored on the universal electronic transaction facility.
487. The method of claim 486, wherein the electronic data comprises a token.
488. The method of claim 486, wherein the electronic data comprises a receipt.
489. The method of claim 486, wherein the electronic data comprises a transaction acknowledgement.
490. The method of claim 482, wherein the secure transaction capability comprises an encryption protocol.
491. The method of claim 490, wherein the encryption protocol encrypts electronic data stored on the universal electronic transaction facility.
492. A system, comprising: a universal electronic transaction facility having a user interface, wherein the user interface allows a user to execute a transaction.
493. The system of claim 492, further comprising a secure transaction capability provided to the user via the universal electronic transaction facility.
494. The system of claim 492, wherein the universal electronic transaction facility is a client device.
495. The system of claim 492, wherein
the user interface allo ό1ws the Uu!ser to obtain an electronic token for executing the transaction.
496. The system of claim 492, wherein the user interface allows the user to obtain a response after executing the transaction.
497. The system of claim 493, wherein the secure transaction capability protects electronic data stored on the universal electronic transaction facility.
498. The system of claim 497, wherein the electronic data comprises a token.
499. The system of claim 497, wherein the electronic data comprises a receipt.
500. The system of claim 497, wherein the electronic data comprises a transaction acknowledgement.
501. The system of claim 493 , wherein the secure transaction capability comprises an encryption protocol.
502. The system of claim 501, wherein the encryption protocol encrypts electronic data stored on the universal electronic transaction facility.
503. A method, comprising: providing a universal electronic transaction facility having a user interface, wherein the user interface is configurable by a user.
504. The method of claim 503, wherein the universal transaction facility is a client device.
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505. The method of claim 504, wherein the client device is a personal device.
506. The method of claim 504, wherein the client device is a public device for temporary personal use.
507. The method of claim 504, wherein at least one personalized application resides on the client device.
508. The method of claim 504, wherein at least one non-persόnalized application resides on the client device.
509. The method of claim 503, wherein the user configures the user interface in accordance with a set of user preferences.
510. The method of claim 503, wherein the user configures the user interface through interaction with an expert system.
511. The method of claim 510, wherein the expert system is capable of self-modification.
512. The method of claim 511, wherein the self-modification comprises a learning behavior.
513. The method of claim 511, wherein the self-modification is based on an input selected from the group consisting of user behavior, usage patterns, transaction history and a qualified external input.
514. The method of claim 511, wherein the self-modification is based on a plurality of inputs.
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515. The method of claim 511, wherein the self-modification further comprises suggesting parameters for a subsequent transaction.
516. A system, comprising: a universal electronic transaction facility having a user interface, wherein the user interface is configurable by a user.
517. The system of claim 516, wherein the universal transaction facility is a client device.
518. The system of claim 517, wherein the client device is a personal device.
519. The system of claim 517, wherein the client device is a public device for temporary personal use.
520. The system of claim 517, wherein at least one personalized application resides on the client device.
521. The system of claim 517, wherein at least one non-personalized application resides on the client device.
522. The system of claim 516, wherein the user configures the user interface in accordance with a set of user preferences.
523. The system of claim 516, wherein the user configures the user interface through interaction with an expert system.
524. The system of claim 523, wherein the expert system is capable of self-modification.
525. The system of claim 524, wherein the self-modification comprises a learning behavior.
526. The system of claim 524, wherein the self-modification is based on an input selected from the group consisting of user behavior, usage patterns, transaction history and a qualified external input.
527. The system of claim 524, wherein the self-modification is based on a plurality of inputs.
528. The system of claim 524, wherein the self-modification further comprises suggesting parameters for a subsequent transaction.
529. A method, comprising: providing a universal electronic transaction facility having a user interface configurable by a user, wherein the user interface allows the user securely and electronically to reproduce data on a client device.
530. The method of claim 529, wherein the user configures the user interface in accordance with a set of user preferences.
531. The method of claim 529, wherein the user configures the user interface through interaction with an expert system.
532. The method of claim 531, wherein the expert system is capable of self-modification based on an input selected from the group consisting of user behavior, user usage pattern, user transaction history and qualified external inputs.
533. The method of claim 529, wherein
D v ojzto/,J7J UO V^O/ΛJLVI-UUU i -r vv Kj the client device is a personal device.
534. The method of claim 529, wherein the client device is a public device for temporary personal use.
535. The method of claim 529, wherein the data comprises a token for conducting a transaction.
536. The method of claim 529, wherein the data comprises a service for conducting a transaction.
537. The method of claim 529, wherein the data comprises an application.
538. The method of claim 537, wherein the application is personalized.
539. The method of claim 537, wherein the application is non-personalized.
540. The method of claim 529, wherein the data are selected from the group consisting of multiple tokens, multiple services, multiple personalized applications, and multiple non-personalized applications.
541. The method of claim 540, wherein the data are managed in accordance with user preferences.
542. The method of claim 540, wherein the data are managed in accordance with an expert system.
543. The method of claim 542, wherein
based on an input selected from the group consisting of user behavior, user usage pattern, user transaction history and qualified external inputs.
544. The method of claim 540, wherein the data comprise a plurality of data sets, the data sets being selected from the group consisting of multiple tokens, multiple services, multiple personalized applications, and multiple non-personalized applications.
545. A system, comprising: a universal electronic transaction facility having a user interface configurable by a user, wherein the user interface allows the user to securely and electronically reproduce data on a client device.
546. The system of claim 545, wherein the user configures the user interface in accordance with a set of user preferences.
547. The system of claim 545, wherein the user configures the user interface through interaction with an expert system.
548. The system of claim 547, wherein the expert system is capable of self-modification based on an input selected from the group consisting of user behavior, user usage pattern, user transaction history and qualified external inputs.
549. The system of claim 545, wherein the client device is a personal device.
550. The system of claim 545, wherein the client device is a public device for temporary personal use.
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wherein the data comprises a token for conducting a transaction.
552. The system of claim 545, wherein the data comprises a service for conducting a transaction.
553. The system of claim 545, wherein the data comprises an application.
554. The system of claim 553, wherein the application is personalized.
555. The system of claim 553, wherein the application is non-personalized.
556. The system of claim 545, wherein the data are selected from the group consisting of multiple tokens, multiple services, multiple personalized applications, and multiple non-personalized applications.
557. The system of claim 556, wherein the data are managed in accordance with user preferences.
558. The system of claim 556, wherein the data are managed in accordance with an expert system.
559. The system of claim 558, wherein the expert system is capable of self-modification based on an input selected from the group consisting of user behavior, user usage pattern, user transaction history and qualified external inputs.
560. The system of claim 556, wherein
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data sets being selected from the group consisting of multiple tokens, multiple services, multiple personalized applications, and multiple non-personalized applications.
561. A method, comprising: providing a bill payment service in association with a universal electronic transaction facility.
562. The method of claim 561, wherein the service is associated with a secure transaction.
563. The method of claim 561 , wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
564. The method of claim 563, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
565. The method of claim 563, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
566. The method of claim 562, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
567. The method of claim 561, wherein the service is associated with multiple domains.
568. The method of claim 562, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
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569. The method of claim 562, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
570.. The method of claim 561, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
571. The method of claim 561, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
572. The method of claim 571, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
573. The method of claim 561, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
574. The method of claim 563, wherein the service includes securely issuing the token to a user.
575. The method of claim 570, wherein the universal electronic transaction facility stores the token.
576. The method of claim 561, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
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,57^ ftyfetlidd ofcTaiiri'562, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
578. The method of claim 563, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, an determination by an expert system.
579. The method of claim 578, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
580. The method of claim 561, wherein the service is associated with presenting an electronic replica of a bill to a user via a bill inbox user interface.
581. The method of claim 571, wherein the configurable things provide a profile-driven, value- added service.
582. The method of claim 561, wherein the service includes taking a payment out of an offline bank, in time for a bill to paid on time.
583. A system, comprising: a universal electronic transaction facility; and a bill payment service associated therewith.
584. The system of claim 583, wherein the bill payment service is associated with a secure transaction.
585. The system of claim 583, wherein the bill payment service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
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"' 5/86I'! I TShe O" sySst ■e "m3 o '9f c Olai 9m1585, wherein the bill payment service includes a secure and electronic facility, wherein the secure and electronic facility includes at least one of: a token communicating facility, a real-time token communicating facility, a token reproducing facility, a token storing facility.
587. The system of claim 585, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
588. The system of claim 584, wherein the secure transaction includes at least one of the following: infrared communication, radiofrequency communication, a bar code, an over- the-air communication, a biometric parameter.
589. The system of claim 583, wherein the bill payment service is associated with multiple domains.
590. The system of claim 584, wherein the secure transaction is at least one of the following: a proximity transaction, an over-the-air transaction.
591. The system of claim 584, wherein the secure transaction includes a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
592. The system of claim 583, wherein the bill payment service includes a secure and electronic storing facility and at least one of the following things: a receipt, an acknowledgement.
593. The system of claim 583, wherein the bill payment service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
595. The system of claim 583, wherein the bill payment service includes a provisioning facility and at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
596. The system of claim 585, wherein the bill payment service includes a secure user token issuing facility.
597. The system of claim 592, wherein the universal electronic transaction facility includes a token storage facility.
598. The system of claim 584, wherein the secure transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
599. The system of claim 584, wherein the secure transaction is at least one of the following things: in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
600. The system of claim 585, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, an determination by an expert system.
601. The system of claim 600, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
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IL !! / u Ib W β ./ 39 O O A 602. The system of claim 583, wherein the bill payment service is associated with presentment of an electronic replica of a bill to a user via a bill inbox user interface.
603. The system of claim 593, wherein the configurable things provide a profile-driven, value- added service.
604. The system of claim 583, wherein the bill payment service includes a facility for taking a payment out of an offline bank, in time for a bill to paid on time.
605. A method, comprising: providing a person-to-person transaction service in association with a universal electronic transaction facility.
606. The method of claim 605, wherein the service is associated with a secure transaction.
607. The method of claim 605, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
608. The method of claim 607, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
609. The method of claim 607, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a person-to-person transaction, a credit card.
610. The method of claim 606, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
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611. The method of claim 605, wherein the service is associated with multiple domains.
612. The method of claim 606, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
613. The method of claim 606, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
614. The method of claim 605, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
615. The method of claim 605, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
616. The method of claim 615, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
617. The method of claim 605, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
618. The method of claim 607, wherein the service includes securely issuing the token to a user.
619. The method of claim 614, wherein the universal electronic transaction facility stores the token.
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620. The method of claim 605, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a person-to-person transaction, a credit card.
621. The method of claim 606, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
622. The method of claim 607, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
623. The method of claim 622, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
624. The method of claim 605, wherein the service is associated with presenting an electronic replica of a person-to-person transaction to a user via a person-to-person transaction inbox user interface.
625. The method of claim 615, wherein the configurable things provide a profile-driven, value- added service.
626. A system, comprising: a universal electronic transaction facility; and a person-to-person transaction service in association therewith.
627. The system of claim 626, wherein the service is associated with a secure transaction.
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628. The system of claim 626, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
629. The system of claim 628, wherein the service includes a secure and electronic facility with at least one of the following: a token communicating facility, a real-time token communicating facility, a token reproducing facility, a token storing facility.
630. The system of claim 628, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a person-to-person transaction, a credit card.
631. The system of claim 627, wherein the secure transaction includes at least one facility for the following: infrared communication, radiofrequency communication, a bar code, an over- the-air communication, a biometric parameter.
632. The system of claim 626, wherein the service is associated with multiple domains.
633. The system of claim 627, wherein the transaction is at least one of the following: a proximity transaction, an over-the-air transaction.
634. The system of claim 627, further including a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
635. The system of claim 626, wherein the service includes a secure and electronic storing facility for at least one of the following: a receipt, an acknowledgement.
636. The system of claim 626, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
637. The system of claim 636, wherein the configurable things are configurable based upon at least one of the following: a user's preference, an expert system, a usage monitoring facility.
638. The system of claim 626, wherein the service includes a provisioning facility for at least one of the following: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
639. The system of claim 628, wherein the service includes a secure user token issuing facility.
640. The system of claim 625, wherein the universal electronic transaction facility includes a token storing facility.
641. The system of claim 626, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a person-to-person transaction, a credit card.
642. The system of claim 627, wherein the transaction is at least one of the following: in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
643. The system of claim 627, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
644. The system of claim 643, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
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645. The system of claim 626, wherein the service is associated with a person-to-person transaction electronic replica presentation facility and a person-to-person transaction inbox user interface.
646. The system of claim 636, wherein the configurable things provide a profile-driven, value- added service.
647. A method, comprising: providing a money order/transfer service in association with a universal electronic transaction facility.
648. The method of claim 647, wherein the service is associated with a secure transaction.
649. The method of claim 647, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
650. The method of claim 649, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
651. The method of claim 649, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a money order, a transfer.
652. The method of claim 648, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
653. The method of claim 647, wherein the service is associated with multiple domains.
654. The method of claim 648, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
655. The method of claim 648, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
656. The method of claim 647, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
657. The method of claim 647, wherein the service is associated with at least one of the following configurable things: a user, interface, a personalized application, a non- personalized application, a web-based personalized portal.
658. The method of claim 657, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
659. The method of claim 647, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
660. The method of claim 649, wherein the service includes securely issuing the token to a user.
661. The method of claim 656, wherein the universal electronic transaction facility stores the token.
662. The method of claim 647, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance
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663. The method of claim 648, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
664. The method of claim 649, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
665. The method of claim 664, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
666. The method of claim 647, wherein the service is associated with presenting an electronic replica of a money order/transfer to a user via a a money order/transfer inbox user interface.
667. The method of claim 657, wherein the configurable things provide a profile-driven, value- added service.
668. The method of claim 647, wherein the service securely credits a user's account and debits a financial service provider's account.
669. The method of claim 668, wherein the financial service provider is at least one of the following things: a bank, a credit union, a financial institution.
670. The method of claim 647, wherein the service issues a request to a financial service provider to complete a money order/transfer transaction though a settlement/acquisition network.
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671. The method of claim 647, wherein the service is associated with a transaction history.
672. The method of claim 671, wherein a value added service is associated with the transaction history.
673. A system, comprising: a money order/transfer service in association with a universal electronic transaction facility.
674. The system of claim 673, wherein the service is associated with a secure transaction.
675. The system of claim 673, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
676. The system of claim 675, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
677. The system of claim 675, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a money order, a transfer.
678. The system of claim 674, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
679. The system of claim 673, wherein the service is associated with multiple domains.
680. The system of claim 674, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
681. The system of claim 674, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
682. The system of claim 673, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
683. The system of claim 673, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
684. The system of claim 683, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
685. The system of claim 673, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
686. The system of claim 675, wherein the service includes securely issuing the token to a user.
687. The system of claim 682, wherein the universal electronic transaction facility stores the token.
688. The system of claim 673, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a money order, a transfer.
689. The system of claim 674, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
690. The system of claim 675, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
691. The system of claim 690, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
692. The system of claim 673, wherein the service is associated with presenting an electronic replica of a money order/transfer to a user via a a money order/transfer inbox user interface.
693. The system of claim 683, wherein the configurable things provide a profile-driven, value- added service.
694. The system of claim 673, wherein the service securely credits a user's account and debits a financial service provider's account.
695. The system of claim 694, wherein the financial service provider is at least one of the following things: a bank, a credit union, a financial institution.
696. The system of claim 673, wherein the service issues a request to a financial service provider to complete a money order/transfer transaction though a settlement/acquisition network.
697. The system of claim 673, wherein the service is associated with a transaction history.
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698. The system of claim 697, wherein a value added service is associated with the transaction history.
699. A method, comprising: providing a prepaid airtime service in association with a universal electronic transaction facility.
700. The method of claim 699, wherein the service is associated with a secure transaction.
701. The method of claim 699, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
702. The method of claim 701, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
703. The method of claim 701, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prepaid airtime card.
704. The method of claim 700, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
705. The method of claim 699, wherein the service is associated with multiple domains.
706. The method of claim 700, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
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707. The method of claim 700, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
708. The method of claim 699, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
709. The method of claim 699, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
710. The method of claim 709, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
711. The method of claim 699, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
712. The method of claim 701, wherein the service includes securely issuing the token to a user.
713. The method of claim 708, wherein the universal electronic transaction facility stores the token.
714. The method of claim 699, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prepaid airtime card.
715. The method of claim 700, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in
»"■ » ■■■• iJ br ilJf fcif ,,.' , -?; '!»# ILJi !y 1 ,1, association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
716. The method of claim 701, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
717. The method of claim 716, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
718. The method of claim 699, wherein the service is associated with presenting an electronic replica of a prepaid top-up card to a user via a prepaid top-up card inbox user interface.
719. The method of claim 709, wherein the configurable things provide a profile-driven, value- added service.
720. The method of claim 699, wherein the service includes securely replenishing a prepaid airtime account.
721. The method of claim 720, wherein the act of replenishing is accomplished by at least one of the following: selecting pre-configured time/amount packages, specifying a desired amount/time packages, selecting a preferred mode of payment.
722. The method of claim 699, wherein the service securely credits a user's account, debits a telecommunication service provider's account, and replenish the user's airtime account.
723. A system, comprising: a prepaid airtime service in association with a universal electronic transaction facility.
724. The system of claim 723, wherein the service is associated with a secure transaction.
L. if ./ HJ S Q 6 / 3 £||:;ji 91 725. The system of claim 723, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
726. The system of claim 725, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
727. The system of claim 725, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prepaid airtime card.
728. The system of claim 724, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
729. The system of claim 723, wherein the service is associated with multiple domains.
730. The system of claim 724, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
731. The system of claim 724, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
732. The system of claim 723, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
733. The system of claim 723, wherein the service associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
734. The system of claim 733, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
735. The system of claim 723, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
736. The system of claim 725, wherein the service includes securely issuing the token to a user.
737. The system of claim 732, wherein the universal electronic transaction facility stores the token.
738. The system of claim 723, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prepaid airtime card.
739. The system of claim 724, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
740. The system of claim 725, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
741. The system of claim 740, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
742. The system of claim 723, wherein the service is associated with presenting an electronic replica of a prepaid top-up card to a user via a prepaid top-up card inbox user interface.
743. The system of claim 733, wherein the configurable things provide a profile-driven, value- added service.
744. The system of claim 723, wherein the service includes securely replenishing a prepaid airtime account.
745. The system of claim 744, wherein the act of replenishing is accomplished by at least one of the following: selecting pre-configured time/amount packages, specifying a desired amount/time packages, selecting a preferred mode of payment.
746. The system of claim 723, wherein the service securely credits a user's account, debits a telecommunication service provider's account, and replenish the user's airtime account.
747. A method, comprising: providing a ticketing service in association with a universal electronic transaction facility.
748. The method of claim 747, wherein the service is associated with a secure transaction.
749. The method of claim 747, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
750. The method of claim 749, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
751. The method of claim 749, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket.
752. The method of claim 748, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
753. The method of claim 747, wherein the service is associated with multiple domains.
754. The method of claim 748, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
755. The method of claim 748, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
756. The method of claim 747, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
757. The method of claim 747, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
758. The method of claim 757, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
/59. TKe'metϊi6d'δt'BΪaϊm"747, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
760. The method of claim 749, wherein the service includes securely issuing the token to a user.
761. The method of claim 756, wherein the universal electronic transaction facility stores the token.
762. The method of claim 747, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket.
763. The method of claim 748, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
764. The method of claim 749, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
765. The method of claim 764, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
766. The method of claim 747, wherein the service is associated with presenting an electronic replica of a ticket to a user via a ticket inbox user interface.
767. The method of claim 757, wherein the configurable things provide a profile-driven, value- added service.
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768. A system, comprising: a ticketing service in association with a universal electronic transaction facility.
769. The system of claim 768, wherein the service is associated with a secure transaction.
770. The system of claim 768, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
771. The system of claim 770, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
772. The system of claim 770, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket.
773. The system of claim 769, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
774. The system of claim 768, wherein the service is associated with multiple domains.
775. The system of claim 769, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
776. The system of claim 769, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
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777. The system of claim 768, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
778. The system of claim 768, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
779. The system of claim 778, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
780. The system of claim 768, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
781. The system of claim 770, wherein the service includes securely issuing the token to a user.
782. The system of claim 777, wherein the universal electronic transaction facility stores the token.
783. The system of claim 768, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket.
784. The system of claim 769, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
78'1 TKe systS'in'' σrcϊlM 7W; wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
786. The system of claim 785, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
787. The system of claim 768, wherein the service is associated with presenting an electronic replica of a ticket to a user via a ticket inbox user interface.
788. The system of claim 778, wherein the configurable things provide a profile-driven, value- added service.
789. A method, comprising: providing a loyalty coupon/promotion service in association with a universal electronic transaction facility.
790. The method of claim 789, wherein the service is associated with a secure transaction.
791. The method of claim 789, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
792. The method of claim 791, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
793. The method of claim 791, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an account, a loyalty statement, a transaction summary.
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794. The method of claim 790, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
795. The method of claim 789, wherein the service is associated with multiple domains.
796. The method of claim 790, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
797. The method of claim 790, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
798. The method of claim 789, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
799. The method of claim 789, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
800. The method of claim 799, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
801. The method of claim 789, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
802. The method of claim 791, wherein the service includes securely issuing the token to a user.
^
" 803. The metSbU ϋf claim' 798, wherein the universal electronic transaction facility stores the token.
804. The method of claim 789, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a loyalty statement, a transaction summary.
805. The method of claim 790, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
806. The method of claim 791, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
807. The method of claim 806, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
808. The method of claim 789, wherein the service is associated with presenting an electronic replica of a loyalty coupon/promotion to a user via a loyalty coupon/promotion inbox user interface.
809. The method of claim 799, wherein the configurable things provide a profile-driven, value- added service.
810. A system, comprising: a loyalty coupon/promotion service in association with a universal electronic transaction facility.
811. The system of claim 810, wherein the service is associated with a secure transaction.
812. The system of claim 810, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
813. The system of claim 812, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
814. The system of claim 812, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an account, a loyalty statement, a transaction summary.
815. The system of claim 811, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
816. The system of claim 810, wherein the service is associated with multiple domains.
817. The system of claim 811, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
818. The system of claim 811, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
819. The system of claim 810, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
. ™ -
820. The system of claim 810, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
821. The system of claim 820, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
822. The system of claim 810, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
823. The system of claim 812, wherein the service includes securely issuing the token to a user.
824. The system of claim 819, wherein the universal electronic transaction facility stores the token.
825. The system of claim 810, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a loyalty statement, a transaction summary.
826. The system of claim 811, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
827. The system of claim 812, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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' 82$. The' system of'ciaim 8/7j wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
829. The system of claim 810, wherein the service is associated with presenting an electronic replica of a loyalty coupon/promotion to a user via a loyalty coupon/promotion inbox user interface.
830. The system of claim 820, wherein the configurable things provide a profile-driven, value- added service.
831. A method, comprising: providing an electronic checkbook service in association with a universal electronic transaction facility.
832. The method of claim 831, wherein the service is associated with a secure transaction.
833. The method of claim 831, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
834. The method of claim 833, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
835. The method of claim 833, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a checkbook, a check, a summary statement, an activity statement, a cancelled check.
- 8T36/. Tyhes moetihBo/d o3f c9laiømα 83i/, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
837. The method of claim 831, wherein the service is associated with multiple domains.
838. The method of claim 832, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
839. The method of claim 832, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
840. The method of claim 831, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
841. The method of claim 831, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
842. The method of claim 841, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
843. The method of claim 831, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
844. The method of claim 833, wherein the service includes securely issuing the token to a user.
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845. The method of claim 840, wherein the universal electronic transaction facility stores the token.
846. The method of claim 831, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a checkbook, a check, a summary statement, an activity statement, a cancelled check.
847. The method of claim 832, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
848. The method of claim 833, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
849. The method of claim 848, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, a number of checks remaining, a pre-designated check number, a balance in the checkbook's ledger.
850. The method of claim 831, wherein the service is associated with presenting an electronic replica of a check to a user via a check inbox user interface.
851. The method of claim 841, wherein the configurable things provide a profile-driven, value- added service.
852. A system, comprising: an electronic checkbook service in association with a universal electronic transaction facility.
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853. The system of claim 852, wherein the service is associated with a secure transaction.
854. The system of claim 852, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
855. The system of claim 854, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
856. The system of claim 854, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a checkbook, a check, a summary statement, an activity statement, a cancelled check.
857. The system of claim 853, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
858. The system of claim 852, wherein the service is associated with multiple domains.
859. The system of claim 853, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
860. The system of claim 853, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
861. The system or claim 852, wherein the service includes securely and electronically storing least one of the following things: a receipt, an acknowledgement.
862. The system of claim 852, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
863. The system of claim 862, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
864. The system of claim 852, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
865. The system of claim 854, wherein the service includes securely issuing the token to a user.
866. The system of claim 861, wherein the universal electronic transaction facility stores the token.
867. The system of claim 852, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a checkbook, a check, a summary statement, an activity statement, a cancelled check.
868. The system of claim 853, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
869. The system of claim 854, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
870. The system of claim 869, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, a number of checks remaining, a pre-designated check number, a balance in the checkbook's ledger.
871. The system of claim 852, wherein the service is associated with presenting an electronic replica of a check to a user via a check inbox user interface.
872. The system of claim 862, wherein the configurable things provide a profile-driven, value- added service.
873. A method, comprising: providing a driver's license service in association with a universal electronic transaction facility.
874. The method of claim 873, wherein the service is associated with a secure transaction.
875. The method of claim 873, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
876. The. method of claim 875, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
877. The method of claim 875, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance
TV Ii GaJS5S driXfisfllMMe, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
878. The method of claim 874, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
879. The method of claim 873, wherein the service is associated with multiple domains.
880. The method of claim 874, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
881. The method of claim 874, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
882. The method of claim 873, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
883. The method of claim 873, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
884. The method of claim 883, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
885. The method of claim 873, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
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" T / U S O S ./ 3 «3* ipf j3.1. 886. The method of claim 875, wherein the service includes securely issuing the token to a user.
887. The method of claim 882, wherein the universal electronic transaction facility stores the token.
888. The method of claim 873, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
889. The method of claim 874, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
890. The method of claim 875, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
891. The method of claim 890, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
892. The method of claim 873, wherein the service is associated with presenting an electronic replica of a driver's license to a user via a driver's license inbox user interface.
893. The method of claim 883, wherein the configurable things provide a profile-driven, value- added service.
894. The method of claim 873, wherein the service is associated with at least one of the following things: a device at a point of transaction, a law enforcement agent's client device.
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895. A system, comprising: a driver's license service in association with a universal electronic transaction facility.
896. The system of claim 895, wherein the service is associated with a secure transaction.
897. The system of claim 895, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
898. The system of claim 897, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
899. The system of claim 897, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
900. The system of claim 896, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
901. The system of claim 895, wherein the service is associated with multiple domains.
902. The system of claim 896, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
903. The system of claim 896, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
, w EV8s5246o2α393US ua/vivi-uuui-r ww
904. The system of claim 895, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
905. The system of claim 895, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
906. The system of claim 905, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
907. The system of claim 895, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
908. The system of claim 897, wherein the service includes securely issuing the token to a user.
909. The system of claim 904, wherein the universal electronic transaction facility stores the token.
910. The system of claim 895, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
911. The system of claim 896, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
~ ,
T 91/2. M The siDynstBe1mZ oBf cflaOimg 8n9I7, w ,herei .n + t,he uni .versa ,l e ,lec +troni .c + transac <ti■on r f-aci -rli+ty i •s ad ,ap +teAd + to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
913. The system of claim 912, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
914. The system of claim 895, wherein the service is associated with presenting an electronic replica of a driver's license to a user via a driver's license inbox user interface.
915. The system of claim 905, wherein the configurable things provide a profile-driven, value- added service.
916. The system of claim 895, wherein the service is associated with at least one of the following things: a device at a point of transaction, a law enforcement agent's client device.
917. A method, comprising: providing a health service in association with a universal electronic transaction facility.
918. The method of claim 917, wherein the service is associated with a secure transaction.
919. The method of claim 917, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
920. The method of claim 919, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
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921. The method of claim 919, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a health record, a health insurance card, a prescription, laboratory instructions, a medical referral, approval of medical necessity, an x-ray,, a sonogram, a CAT scan, an examination report, a diagnosis, a prognosis, a treatment plan, an MRI result, a laboratory result, a list of over-the-counter items, an approval to return to work, a physical activity permission, an insurance coverage approval.
922. The method of claim 918, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
923. The method of claim 917, wherein the service is associated with multiple domains.
924. The method of claim 918, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
925. The method of claim 918, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
926. The method of claim 917, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
927. The method of claim 917, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
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928. The method of claim 927, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
929. The method of claim 917, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
930. The method of claim 919, wherein the service includes securely issuing the token to a user.
931. The method of claim 926, wherein the universal electronic transaction facility stores the token.
932. The method of claim 917, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a health record, a health insurance card, a prescription, laboratory instructions, a medical referral, approval of medical necessity, an x-ray, a sonogram, a CAT scan, an examination report, a diagnosis, a prognosis, a treatment plan, an MRI result, a laboratory result, a list of over-the-counter items, an approval to return to work, a physical activity permission, an insurance coverage approval.
933. The method of claim 918, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
934. The method of claim 919, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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935. The memόd'δf claim' 9'3'4, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, availability of a completed prescription for pickup, receipt of a prescription at a pharmacy, shipment of a completed prescription, availability of laboratory results, laboratory results meeting a criteria, a follow-up visit request from a doctor, a time, a date, a time for administration of a prescription, a number of doses of a prescription remaining, a number of refills of a prescription remaining, a number of appointments remaining, an appointment.
936. The method of claim 917, wherein the service is associated with presenting an electronic replica of a health record to a user via a health record inbox user interface.
937. The method of claim 927, wherein the configurable things provide a profile-driven, value- added service.
938. The method of claim 917, wherein the service is associated with a user of the univeral electronic transaction facility who is at least one of the following: a patient, a doctor, a hospital, a pharmacy, a durable medical goods provider, a physical therapy provider, a laboratory, an insurer, a researcher.
939. A system, comprising: a health service in association with a universal electronic transaction facility.
940. The system of claim 939, wherein the service is associated with a secure transaction.
941. The system of claim 939, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
942. The system of claim 941, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
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943. The system of claim 941, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a health record, a health insurance card, a prescription, laboratory instructions, a medical referral, approval of medical necessity, an x-ray, a sonogram, a CAT scan, an examination report, a diagnosis, a prognosis, a treatment plan, an MRI result, a laboratory result, a list of over-the-counter items, an approval to return to work, a physical activity permission, an insurance coverage approval.
944. The system of claim 940, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
945. The system of claim 939, wherein the service is associated with multiple domains.
946. The system of claim 940, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
947. The system of claim 940, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
948. The system of claim 939, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
949. The system of claim 939, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
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950. Trie system of claim 949, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
951. The system of claim 939, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
952. The system of claim 941, wherein the service includes securely issuing the token to a user.
953. The system of claim 948, wherein the universal electronic transaction facility stores the token.
954. The system of claim 939, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a health record, a health insurance card, a prescription, laboratory instructions, a medical referral, approval of medical necessity, an x-ray, a sonogram, a CAT scan, an examination report, a diagnosis, a prognosis, a treatment plan, an MRI result, a laboratory result, a list of over-the-counter items, an approval to return to work, a physical activity permission, an insurance coverage approval.
955. The system of claim 940, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
956. The system of claim 941, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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957. The system of claim 956, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, availability of a completed prescription for pickup, receipt of a prescription at a pharmacy, shipment of a completed prescription, availability of laboratory results, laboratory results meeting a criteria, a follow-up visit request from a doctor, a time, a date, a time for administration of a prescription, a number of doses of a prescription remaining, a number of refills of a prescription remaining, a number of appointments remaining, an appointment.
958. The system of claim 939, wherein the service is associated with presenting an electronic replica of a health record to a user via a health record inbox user interface.
959. The system of claim 949, wherein the configurable things provide a profile-driven, value- added service.
960. The system of claim 939, wherein the service is associated with a user of the univeral electronic transaction facility who is at least one of the following: a patient, a doctor, a hospital, a pharmacy, a durable medical goods provider, a physical therapy provider, a laboratory, an insurer, a researcher.
961. A method, comprising: providing a travel service in association with a universal electronic transaction facility.
962. The method of claim 961, wherein the service is associated with a secure transaction.
963. The method of claim 961, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
964. The method of claim 963, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
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965. The method of claim 963, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket, a reservation, a travel voucher, a passport, a travel visa, a travel itinerary, a boarding pass, a map, an immigration document, a menu, a summary statement, a hotel bill, a car rental bill, an air travel bill, a loyalty club accrual, a list of business expenses, a list of personal expenses.
966. The method of claim 962, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
967. The method of claim 961, wherein the service is associated with multiple domains.
968. The method of claim 962, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
969. The method of claim 962, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
970. The method of claim 961, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
971. The method of claim 961, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
972. The method of claim 971, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
973. The method of claim 961, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
974. The method of claim 963, wherein the service includes securely issuing the token to a user.
975. The method of claim 970, wherein the universal electronic transaction facility stores the token.
976. The method of claim 961, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance- card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket, a reservation, a travel voucher, a passport, a travel visa, a travel itinerary, a boarding pass, a map, an immigration document, a menu, a summary statement, a hotel bill, a car rental bill, an air travel bill, a loyalty club accrual, a list of business expenses, a list of personal expenses.
977. The method of claim 962, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
978. The method of claim 963, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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979. The method of claim 978, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, weather at a travel destination, weather at an airport, traffic conditions, a flight schedule, a flight check in, a seating assignment, a gate assignment, a travel itinerary, a meeting time, a time, a date, a contact local to a travel destination, currency conversion rates, availability of a flight, a time until departure, a train schedule, a change in flight times.
980. The method of claim 961, wherein the service is associated with presenting an electronic replica of a travel token to a user via a travel-token inbox user interface.
981. The method of claim 971, wherein the configurable things provide a profile-driven, value- added service.
982. A system, comprising: a travel service in association with a universal electronic transaction facility.
983. The system of claim 982, wherein the service is associated with a secure transaction.
984. The system of claim 982, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
985. The system of claim 984, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
986. The system of claim 984, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket, a reservation, a travel voucher, a passport, a travel visa, a travel itinerary, a boarding pass, a map, an immigration document, a menu, a summary
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:T/ USOG/39O "3I statement, a hotel bill, a car rental bill, an air travel bill, a loyalty club accrual, a list of business expenses, a list of personal expenses.
987. The system of claim 983, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
988. The system of claim 982, wherein the service is associated with multiple domains.
989. The system of claim 983, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
990. The system of claim 983, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
991. The system of claim 982, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
992. The system of claim 982, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non-personalized application, a web-based personalized portal.
993. The system of claim 992, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
994. The system of claim 982, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
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995. The ssyysstteemm ooff ccllaaiimm " S98 s44,, wwhheerreeiinn tthhee service includes securely issuing the token to a user.
996. The system of claim 991, wherein the universal electronic transaction facility stores the token.
997. The system of claim 982, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ticket, a reservation, a travel voucher, a passport, a travel visa, a travel itinerary, a boarding pass, a map, an immigration document, a menu, a summary statement, a hotel bill, a car rental bill, an air travel bill, a loyalty club accrual, a list of business expenses, a list of personal expenses.
998. The system of claim 983, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
999. The system of claim 984, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1000. The system of claim 999, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, weather at a travel destination, weather at an airport, traffic conditions, a flight schedule, a flight check in, a seating assignment, a gate assignment, a travel itinerary, a meeting time, a time, a date, a contact local to a travel destination, currency conversion rates, availability of a flight, a time until departure, a train schedule, a change in flight times.
1001. The system of claim 982, wherein the service is associated with presenting an electronic replica of a travel token to a user via a travel -token inbox user interface.
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T/ USOS /31^09 A
1002. The system of claim 992, wherein the configurable things provide a profile-driven, value- added service.
1003. A method, comprising: providing an infotainment service in association with a universal electronic transaction facility.
1004. The method of claim 1003, wherein the service is associated with a secure transaction.
1005. The method of claim 1003, wherein the service is associated with a token that includes at least one of the following- things: branding, images, required information for completing a transaction that is associated with the service.
1006. The method of claim 1005, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1007. The method of claim 1005, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, video, images, audio, text, information required to complete a transaction.
1008. The method of claim 1004, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1009. The method of claim 1003, wherein the service is associated with multiple domains.
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1010. The method of claim 1004, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1011. The method of claim 1004, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1012. The method of claim 1003, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1013. The method of claim 1003, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1014. The method of claim 1013, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1015. The method of claim 1003, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1016. The method of claim 1005, wherein the service includes securely issuing the token to a user.
1017. The method of claim 1012, wherein the universal electronic transaction facility stores the token.
1018. The method of claim 1003, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a
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paid sstt!amp, a credit card, video, images, audio, text, information required to complete a transaction.
1019. The method of claim 1004, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1020. The method of claim 1005, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1021. The method of claim 1020, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1022. The method of claim 1003, wherein the service is associated with presenting an electronic replica of an infotainment token to a user via a infotainment-token inbox user interface.
1023. The method of claim 1013, wherein the configurable things provide a profile-driven, value-added service.
1024. The method of claim 1007, wherein the electronic replica is adapted for mobile viewing.
1025. A system, comprising: an infotainment service in association with a universal electronic transaction facility.
1026. The system of claim 1025, wherein the service is associated with a secure transaction.
1027. The system of claim 1025, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is. associated with the service.
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1028. The system of claim 1027, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1029. The system of claim 1027, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, video, images, audio, text, information required to complete a transaction.
1030. The system of claim 1026, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1031. The system of claim 1025, wherein the service is associated with multiple domains.
1032. The system of claim 1026, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1033. The system of claim 1026, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1034. The system of claim 1025, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1035. The system of claim 1025, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
::: T 10/36 u. Tsheo sy &st .e/m 3 H of c rølaim ± 1035, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1037. The system of claim 1025, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1038. The system of claim 1027, wherein the service includes securely issuing the token to a user.
1039. The system of claim 1034, wherein the universal electronic transaction facility stores the token.
1040. The system of claim 1025, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, video, images, audio, text, information required to complete a transaction.
1041. The system of claim 1026, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1042. The system of claim 1027, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1043. The system of claim 1042, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1044. The system of claim 1025, wherein the service is associated with presenting an electronic replica of an infotainment token to a user via a infotainment-token inbox user interface.
1045. The system of claim 1035, wherein the configurable things provide a profile-driven, value- added service.
1046. The system of claim 1029, wherein the electronic replica is adapted for mobile viewing.
1047. A method, comprising: providing a personal information management service in association with a universal electronic transaction facility.
1048. The method of claim 1047, wherein the service is associated with a secure transaction.
1049. The method of claim 1047, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
1050. The method of claim 1049, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1051. The method of claim 1049, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a calendar, an appointment, contact information, a mail message, a to-do list, a note, an expense, information required to complete a transaction.
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1052. The method of claim 1048, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1053. The method of claim 1047, wherein the service is associated with multiple domains.
1054. The method of claim 1048, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1055. The method of claim 1048, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1056. The method of claim 1047, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1057. The method of claim 1047, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1058. The method of claim 1057, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1059. The method of claim 1047, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1060. The method of claim 1049, wherein the service includes securely issuing the token to a user.
wherein the universal electronic transaction facility stores the token.
1062. The method of claim 1047, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a calendar, an appointment, contact information, a mail message, a to-do list, a note, an expense, information required to complete a transaction.
1063. The method of claim 1048, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1064. The method of claim 1049, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1065. The method of claim 1064, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1066. The method of claim 1047, wherein the service is associated with presenting an electronic replica of a personal information management token to a user via a personal-information- management-token inbox user interface.
1067. The method of claim 1057, wherein the configurable things provide a profile-driven, value-added service.
1068. A system, comprising: a personal infoπnation management service in association with a universal electronic transaction facility.
,
1069. The system of claim 1068, wherein the service is associated with a secure transaction.
1070. The system of claim 1068, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
1071. The system of claim 1070, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1072. The system of claim 1070, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a calendar, an appointment, contact information, a mail message, a to-do list, a note, an expense, information required to complete a transaction.
1073. The system of claim 1069, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1074. The system of claim 1068, wherein the service is associated with multiple domains.
1075. The system of claim 1069, wherein the transaction is at least one of the following tilings: a proximity transaction, an over-the-air transaction.
1076. The system of claim 1069, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
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service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1078. The system of claim 1068, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1079. The system of claim 1078, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1080. The system of claim 1068, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1081. The system of claim 1070, wherein the service includes securely issuing the token to a user.
1082. The system of claim 1077, wherein the universal electronic transaction facility stores the token.
1083. The system of claim 1068, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a calendar, an appointment, contact information, a mail message, a to-do list, a note, an expense, information required to complete a transaction.
1084. The system of claim 1069, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
—
1085. The system of claim 1070, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1086. The system of claim 1085, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1087. The system of claim 1068, wherein the service is associated with presenting an electronic replica of a personal information management token to a user via a personal-information- management-token inbox user interface.
1088. The system of claim 1078, wherein the configurable things provide a profile-driven, value- added service.
1089. A method, comprising: providing a training service in association with a universal electronic transaction facility.
1090. The method of claim 1089, wherein the service is associated with a secure transaction.
1091. The method of claim 1089, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
1092. The method of claim 1091, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1093. The method of claim 1091, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a
paid stamp, a credit card, a video, an image, audio, text, a part number, a part cost, a diagnostic instruction, a repair instruction, an assembly instruction, a disassembly instruction, information required to complete a transaction, a purchase order, an inventory check.
1094. The method of claim 1090, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1095. The method of claim 1089, wherein the service is associated with multiple domains.
1096. The method of claim 1090, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1097. The method of claim 1090, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1098. The method of claim 1089, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1099. The method of claim 1089, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1100. The method of claim 1099, wherein the configurable things are configured based upon at least one of the following tilings: a user's preference, an expert system, a usage monitoring facility.
11'θϊ. fnl'tetnd'di!of Slfei"T089, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1102. The method of claim 1091, wherein the service includes securely issuing the token to a user.
1103. The method of claim 1098, wherein the universal electronic transaction facility stores the token.
1104. The method of claim 1089, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a video, an image, audio, text, a part number, a part cost, a diagnostic instruction, a repair instruction, an assembly instruction, a disassembly instruction, information required to complete a transaction, a purchase order, an inventory check.
1105. The method of claim 1090, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1106. The method of claim 1091, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1107. The method of claim 1106, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
_
C£ ϋ'"!i C ..." '"'S i!"
:''08".Jif Hl«§aiod:iϊoFάMm'"lO89, wherein the service is associated with presenting an electronic replica of a training token to a user via a training-token inbox user interface.
1109. The method of claim 1099, wherein the configurable things provide a profile-driven, value-added service.
1110. A system, comprising: a training service in association with a universal electronic transaction facility.
1111. The system of claim 1110, wherein the service is associated with a secure transaction.
1112. The system of claim 1110, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
1113. The system of claim 1112, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1114. The system of claim 1112, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a video, an image, audio, text, a part number, a part cost, a diagnostic instruction, a repair instruction, an assembly instruction, a disassembly instruction, information required to complete a transaction, a purchase order, an inventory check.
1115. The system of claim 1111, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
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: T\/ U S 13 ibr / 3 y Ci *91
1116. The system of claim 1110, wherein the service is associated with multiple domains.
1117. The system of claim 1111, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1118. The system of claim 1111, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1119. The system of claim 1110, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1120. The system of claim 1110, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1121. The system of claim 1120, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1122. The system of claim 1110, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1123. The system of claim 1112, wherein the service includes securely issuing the token to a user.
1124. The system of claim 1119, wherein the universal electronic transaction facility stores the token.
1125. The system of claim 1110, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a video, an image, audio, text, a part number, a part cost, a diagnostic instruction, a repair instruction, an assembly instruction, a disassembly instruction, information required to complete a transaction, a purchase order, an inventory check.
1126. The system of claim 1111, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1127. The system of claim 1112, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1128. The system of claim 1127, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1129. The system of claim 1110, wherein the service is associated with presenting an electronic replica of a training token to a user via a training-token inbox user interface.
1130. The system of claim 1120, wherein the configurable things provide a profile-driven, value- added service.
1131. A method, comprising: providing a lottery service in association with a universal electronic transaction facility.
1132. The method of claim 1131, wherein the service is associated with a secure transaction.
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: T/ US O iK. / 39O 91.
1133. The method of claim 1131, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
1134. The method of claim 1133, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1135. The method of claim 1133, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a lottery ticket.
1136. The method of claim 1132, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1137. The method of claim 1131, wherein the service is associated with multiple domains.
1138. The method of claim 1132, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1139. The method of claim 1132, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1140. The method of claim 1131, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
, «,, ,
1141. The method of claim 1131, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1142. The method of claim 1141, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1143. The method of claim 1131, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1144. The method of claim 1133, wherein the service includes securely issuing the token to a user.
1145. The method of claim 1140, wherein the universal electronic transaction facility stores the token.
1146. The method of claim 1131, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a lottery ticket.
1147. The method of claim 1132, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1148. The method of claim 1133, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
Ii"'/ U 3 O fa / 3 QO li;l ±
1149. The method of claim 1148, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1150. The method of claim 1131, wherein the service is associated with presenting an electronic replica of a lottery token to a user via a lottery-token inbox user interface.
1151. The method of claim 1141, wherein the configurable things provide a profile-driven, value-added service.
1152. A system, comprising: a lottery service in association with a universal electronic transaction facility.
1153. The system of claim 1152, wherein the service is associated with a secure transaction.
1154. The system of claim 1152, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
1155. The system of claim 1154, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1156. The system of claim 1154, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a lottery ticket.
1157. The system of claim 1153, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
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T/ U SQ&/ '3mMS ±
1158. The system of claim 1152, wherein the service is associated with multiple domains.
1159. The system of claim 1153, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1160. The system of claim 1153, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1161. The system of claim 1152, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1162. The system of claim 1152, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1163. The system of claim 1162, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1164. The system of claim 1152, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1165. The system of claim 1154, wherein the service includes securely issuing the token to a user.
1166. The system of claim 1161, wherein the universal electronic transaction facility stores the token.
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1167. The system of claim 1152, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a lottery ticket.
1168. The system of claim 1153, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1169. The system of claim 1154, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1170. The system of claim 1169, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1171. The system of claim 1152, wherein the service is associated with presenting an electronic replica of a lottery token to a user via a lottery-token inbox user interface.
1172. The system of claim 1162, wherein the configurable things provide a profile-driven, value- added service.
1173. A method, comprising: providing a voting service in association with a universal electronic transaction facility.
1174. The method of claim 1173, wherein the service is associated with a secure transaction.
1175. The method of claim 1173, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
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1176. The method of claim 1175, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1177. The method of claim 1175, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ballot, an election candidate's information, a ballot number, a voter identification information.
1178. The method of claim 1174, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1179. The method of claim 1173, wherein the service is associated with multiple domains.
1180. The method of claim 1174, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1181. The method of claim 1174, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1182. The method of claim 1173, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1183. The method of claim 1173, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
i. ϊ ojituΛjyj uo ^bAiVi-UUU i-f W U
:T/UBO6/39O91
1184. The method of claim 1183, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1185. The method of claim 1173, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1186. The method of claim 1175, wherein the service includes securely issuing the token to a user.
1187. The method of claim 1182, wherein the universal electronic transaction facility stores the token.
1188. The method of claim 1173, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ballot, an election candidate's information, a ballot number, a voter identification information.
1189. The method of claim 1174, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1190. The method of claim 1175, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1191. The method of claim 1190, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, a voting date, a
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information, voter information, election information, votes cast by phone, votes cast electronically, votes cast traditionally.
1192. The method of claim 1173, wherein the service is associated with presenting an electronic replica of a voting token to a user via a voting-token inbox user interface.
1193. The method of claim 1183, wherein the configurable things provide a profile-driven, value-added service.
1194. A system, comprising: a voting service in association with a universal electronic transaction facility.
1195. The system of claim 1194, wherein the service is associated with a secure transaction.
1196. The system of claim 1194, wherein the service is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the service.
1197. The system of claim 1196, wherein the service includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1198. The system of claim 1196, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ballot, an election candidate's information, a ballot number, a voter identification information.
1199. The system of claim 1195, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1200. The system of claim 1194, wherein the service is associated with multiple domains.
1201. The system of claim 1195, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1202. The system of claim 1195, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1203. The system of claim 1194, wherein the service includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1204. The system of claim 1194, wherein the service is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1205. The system of claim 1204, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1206. The system of claim 1194, wherein the service includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1207. The system of claim 1196, wherein the service includes securely issuing the token to a user.
1208. The system of claim 1203, wherein the universal electronic transaction facility stores the token.
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1209. The system or claim 1194, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a ballot, an election candidate's information, a ballot number, a voter identification information.
1210. The system of claim 1195, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1211. The system of claim 1196, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1212. The system of claim 1211, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time, a voting date, a voting time, candidates information, voter information, election information, votes cast by phone, votes cast electronically, votes cast traditionally.
1213. The system of claim 1194, wherein the service is associated with presenting an electronic replica of a voting token to a user via a voting-token inbox user interface.
1214. The system of claim 1204, wherein the configurable things provide a profile-driven, value- added service.
1215. A method, comprising: providing a gaming portal in association with a universal electronic transaction facility.
1216. The method of claim 1215, wherein the portal is associated with a secure transaction.
1217. The method of claim 1215, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1218. The method of claim 1217, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1219. The method of claim 1217, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a game.
1220. The method of claim 1216, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1221. The method of claim 1215, wherein the portal is associated with multiple domains.
1222. The method of claim 1216, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1223. The method of claim 1216, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1224. The method of claim 1215, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1225. The method of claim 1215, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1226. The method of claim 1225, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1227. The method of claim 1215, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1228. The method of claim 1217, wherein the portal includes securely issuing the token to a user.
1229. The method of claim 1224, wherein the universal electronic transaction facility stores the token.
1230. The method of claim 1215, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a game.
1231. The method of claim 1216, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1232. The method of claim 1217, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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I"' .."■" IJ S O iEii / ' 3 '9 O iEiiif ,1. 1233. The method of claim 1232, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1234. The method of claim 1215, wherein the portal is associated with presenting an electronic replica of a game token to a user via a game-token inbox user interface.
1235. The method of claim 1225, wherein the configurable things provide a profile-driven, value-added service.
1236. The method of claim 1215, wherein the gaming portal is associated with a game that is played, at least in part, on the universal electronic transaction facility.
1237. The method of claim 1215, wherein the gaming portal distributes the game.
1238. The method of claim 1216, wherein the transaction is associated with at least one of the following actions: betting on the outcome of a game, purchasing a game, purchasing a game from a publisher of the game, purchasing a game from a user of a second universal electronic transaction facility, selling a game to a user of a second universal electronic transaction facility.
1239. The method of claim 1216, wherein an original publisher of the game receives a payment that is associated with the transaction.
1240. A system, comprising: a gaming portal in association with a universal electronic transaction facility.
1241. The system of claim 1240, wherein the portal is associated with a secure transaction.
1242. The system of claim 1240, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1243. The system of claim 1242, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1244. The system of claim 1242, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a game.
1245. The system of claim 1241, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1246. The system of claim 1240, wherein the portal is associated with multiple domains.
1247. The system of claim 1241, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1248. The system of claim 1241, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1249. The system of claim 1240, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1250. The system of claim 1240, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
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1251. Trie system of claim 1250, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1252. The system of claim 1240, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1253. The system of claim 1242, wherein the portal includes securely issuing the token to a user.
1254. The system of claim 1249, wherein the universal electronic transaction facility stores the token.
1255. The system of claim 1240, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a game.
1256. The system of claim 1241, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1257. The system of claim 1242, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1258. The system of claim 1257, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
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1259. The system of claim 1240, wherein the portal is associated with presenting an electronic replica of a game token to a user via a game-token inbox user interface.
1260. The system of claim 1250, wherein the configurable things provide a profile-driven, value- added service.
1261. The system of claim 1240, wherein the gaming portal is associated with a game that is played, at least in part, on the universal electronic transaction facility.
1262. The system of claim 1240, wherein the gaming portal distributes the game.
1263. The system of claim 1241, wherein the transaction is associated with at least one of the following actions: betting on the outcome of a game, purchasing a game, purchasing a game from a publisher of the game, purchasing a game from a user of a second universal electronic transaction facility, selling a game to a user of a second universal electronic transaction facility.
1264. The system of claim 1241, wherein an original publisher of the game receives a payment that is associated with the transaction.
1265. A method, comprising: providing a merchant portal in association with a universal electronic transaction facility
1266. The method of claim 1265, wherein the portal is associated with a secure transaction.
1267. The method of claim 1265, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
■■" hάH. ϊh'y'Sefhόi of claim 1267, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1269. The method of claim 1267, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an invoice, an inventory statement, a financial statement, a request for quote, a bid.
1270. The method of claim 1266, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1271. The method of claim 1265, wherein the portal is associated with multiple domains.
1272. The method of claim 1266, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1273. The method of claim 1266, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1274. The method of claim 1265, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1275. The method of claim 1265, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
"2 "ϊ" .•"' 1,1 'i;;;it ILJ i'fcf /' ""Ii '""ill 01VI A l276!"Tne method of claim Ϊ275, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1277. The method of claim 1265, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1278. The method of claim 1267, wherein the portal includes securely issuing the token to a user.
1279. The method of claim 1274, wherein the universal electronic transaction facility stores the token.
1280. The method of claim 1265, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an invoice, an inventory statement, a financial statement, a request for quote, a bid.
1281. The method of claim 1266, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1282. The method of claim 1267, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1283. The method of claim 1282, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
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1284. The method of claim 1265, wherein the portal is associated with presenting an electronic replica of a merchant token to a user via a merchant-token inbox user interface.
1285. The method of claim 1275, wherein the configurable things provide a profile-driven, value-added service.
1286. The method of claim 1265, wherein the merchant portal distributes a promotion to a consumer using the universal electronic transaction facility.
1287. The method of claim 1286, wherein the promotion is based on past transaction behavior.
1288. The method of claim 1266, wherein the transaction is associated with at least one of the following things: a promotion, a purchase.
1289. A system, comprising: a merchant portal in association with a universal electronic transaction facility
1290. The system of claim 1289, wherein the portal is associated with a secure transaction.
1291. The system of claim 1289, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1292. The system of claim 1291, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1293. The system of claim 1291, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a
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: T/ USOJB/ 39091 . . . . paid stamp, a credit card, an invoice, an inventory statement, a imancial statement, a request for quote, a bid.
1294. The system of claim 1290, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1295. The system of claim 1289, wherein the portal is associated with multiple domains.
1296. The system of claim 1290, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1297. The system of claim 1290, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1298. The system of claim 1289, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1299. The system of claim 1289, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1300. The system of claim 1299, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1301. The system of claim 1289, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
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.e system of claim 1291, wherein the portal includes securely issuing the token to a user.
1303. The system of claim 1298, wherein the universal electronic transaction facility stores the token.
1304. The system of claim 1289, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an invoice, an inventory statement, a financial statement, a request for quote, a bid.
1305. The system of claim 1290, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1306. The system of claim 1291, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1307. The system of claim 1306, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1308. The system of claim 1289, wherein the portal is associated with presenting an electronic replica of a merchant token to a user via a merchant-token inbox user interface.
1309. The system of claim 1299, wherein the configurable things provide a profile-driven, value- added service.
1310. The system of claim 1289, wherein the merchant portal distributes a promotion to a consumer using the universal electronic transaction facility.
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1311. The system of claim 1310, wherein the promotion is based on past transaction behavior.
1312. The system of claim 1290, wherein the transaction is associated with at least one of the following things: a promotion, a purchase.
1313. A method, comprising, providing a government portal in association with a universal electronic transaction facility.
1314. The method of claim 1313, wherein the portal is associated with a secure transaction.
1315. The method of claim 1313, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1316. The method of claim 1315, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1317. The method of claim 1315, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a governmental record.
1318. The method of claim 1314, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1319. The method of claim 1313, wherein the portal is associated with multiple domains.
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1321. The method of claim 1314, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1322. The method of claim 1313, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1323. The method of claim 1313, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1324. The method of claim 1323, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1325. The method of claim 1313, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1326. The method of claim 1315, wherein the portal includes securely issuing the token to a user.
1327. The method of claim 1322, wherein the universal electronic transaction facility stores the token.
1328. The method of claim 1313, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a governmental record.
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1329. The method of claim 1314, wherein the transaction is at least one of the following tilings: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1330. The method of claim 1315, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1331. The method of claim 1330, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1332. The method of claim 1313, wherein the portal is associated with presenting an electronic replica of a government token to a user via a government-token inbox user interface.
1333. The method of claim 1323, wherein the configurable things provide a profile-driven, value-added service.
1334. The method of claim 1313, wherein the government portal enables a user to access government services using the universal electronic facility.
1335. The method of claim 1334, wherein the government service is selected from a list that includes at least one of the following things: a land record, a sales tax, a procurement contract.
1336. The method of claim 1335, wherein the universal electronic transaction facility is used to securely log in to a kiosk to access the government services.
1337. A system, comprising, a government portal in association with a universal electronic transaction facility.
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1338. The system of claim 1337, wherein the portal is associated with a secure transaction.
1339. The system of claim 1337, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1340. The system of claim 1339, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1341. The system of claim 1339, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a governmental record.
1342. The system of claim 1338, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1343. The system of claim 1337, wherein the portal is associated with multiple domains.
1344. The system of claim 1338, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1345. The system of claim 1338, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1346. The system of claim 1337, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
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1347. The system of claim 1337, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1348. The system of claim 1347, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1349. The system of claim 1337, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1350. The system of claim 1339, wherein the portal includes securely issuing the token to a user.
1351. The system of claim 1346, wherein the universal electronic transaction facility stores the token.
1352. The system of claim 1337, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a governmental record.
1353. The system of claim 1338, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1354. The system of claim 1339, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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1355. The system of claim 1354, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1356. The system of claim 1337, wherein the portal is associated with presenting an electronic replica of a government token to a user via a government-token inbox user interface.
1357. The system of claim 1347, wherein the configurable things provide a profile-driven, value- added service.
1358. The system of claim 1337, wherein the government portal enables a user to access government services using the universal electronic facility.
1359. The system of claim 1358, wherein the government service is selected from a list that includes at least one of the following things: a land record, a sales tax, a procurement contract.
1360. The system of claim 1359, wherein the universal electronic transaction facility is used to securely log in to a kiosk to access the government services.
1361. A method, comprising: providing an enterprise portal in association with a universal electronic transaction facility.
1362. The method of claim 1361, wherein the portal is associated with a secure transaction.
1363. The method of claim 1361, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
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1364. The method of claim 1363, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1365. The method of claim 1363, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
1366. The method of claim 1362, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1367. The method of claim 1361, wherein the portal is associated with multiple domains.
1368. The method of claim 1362, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1369. The method of claim 1362, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1370. The method of claim 1361, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1371. The method of claim 1361, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
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1372. The method of claim 1371, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1373. The method of claim 1361, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1374. The method of claim 1363, wherein the portal includes securely issuing the token to a user.
1375. The method of claim 1370, wherein the universal electronic transaction facility stores the token.
1376. The method of claim 1361, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
1377. The method of claim 1362, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1378. The method of claim 1363, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1379. The method of claim 1378, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
Express Mail No. PATENT
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1380. The method of claim 1361, wherein the portal is associated with presenting an electronic replica of an enterprise token to a user via an enterprise-token inbox user interface.
1381. The method of claim 1371, wherein the configurable things provide a profile-driven, value-added service.
1382. The method of claim 1361, wherein the enterprise portal enables a user to access enterprise services using the universal electronic transaction facility.
1383. The method of claim 1382, wherein the user securely logs time to an enterprise timesheet.
1384. The method of claim 1383, wherein the enterprise timesheet is used to track at least employee and contractor work times.
1385. The method of claim 1382, wherein the user securely tracks enterprise expenses for reimbursement determination.
1386. The method of claim 1382, wherein at least one of the enterprise services are associated with third-party quotes and bids.
1387. The method of claim 1386, wherein the portal is associated with securely transmitting the quotes and bids.
1388. The method of claim 1361, wherein the enterprise portal enables the secure transmission of disaster management information.
1389. The method of claim 1388, wherein the disaster management information is at least of one the following things: an available disaster-related service, a required action report, an action piϊoritization, an infrastructure requirement.
1390. A system, comprising:
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/ jj jQ^^^Jrøϋa Q ± CSAM-0001 -PWO an enterprise portal in association with a universal electronic transaction facility.
1391. The system of claim 1390, wherein the portal is associated with a secure transaction.
1392. The system of claim 1390, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1393. The system of claim 1392, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1394. The system of claim 1392, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
1395. The system of claim 1391, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1396. The system of claim 1390, wherein the portal is associated with multiple domains.
1397. The system of claim 1391, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1398. The system of claim 1391, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
Express Mail No. PATENT 9 A CSAM-OOOl-PWO
1399. The system of claim 1390, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1400. The system of claim 1390, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1401. The system of claim 1400, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1402. The system of claim 1390, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1403. The system of claim 1392, wherein the portal includes securely issuing the token to a user.
1404. The system of claim 1399, wherein the universal electronic transaction facility stores the token.
1405. The system of claim 1390, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card.
1406. The system of claim 1391, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1407. The system of claim 1392, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1408. The system of claim 1407, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1409. The system of claim 1390, wherein the portal is associated with presenting an electronic replica of an enterprise token to a user via an enterprise-token inbox user interface.
1410. The system of claim 1400, wherein the configurable things provide a profile-driven, value- added service.
1411. The system of claim 1390, wherein the enterprise portal enables a user to access enterprise services using the universal electronic transaction facility.
1412. The system of claim 1411, wherein the user securely logs time to an enterprise timesheet.
1413. The system of claim 1383, wherein the enterprise timesheet is used to track at least employee and contractor work times.
1414. The system of claim 1411, wherein the user securely tracks enterprise expenses for reimbursement determination.
1415. The system of claim 1411, wherein at least one of the enterprise services are associated with third-party quotes and bids.
1416. The system of claim 1415, wherein the portal is associated with securely transmitting the quotes and bids.
Express Mail No. PATENT iβBWMZWWi 9 i csAM-oooi-PWO
1417. The system of claim 1390, wherein the enterprise portal enables the secure transmission of disaster management information.
1418. The system of claim 1417, wherein the disaster management information is at least of one the following things: an available disaster-related service, a required action report, an action prioritization, an infrastructure requirement.
1419. A method, comprising: providing a health/fitness portal in association with a universal electronic transaction facility;
1420. The method of claim 1419, wherein the portal is associated with a secure transaction.
1421. The method of claim 1419, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1422. The method of claim 1421, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1423. The method of claim 1421, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, health/fitness information, diet information, weight training information, aerobic training information, personal training information.
1424. The method of claim 1420, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1425. The method of claim 1419, wherein the portal is associated with multiple domains.
ϋxpress Mail JNo. PATENT
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1426. The method of claim 1420, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1427. The method of claim 1420, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1428. The method of claim 1419, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1429. The method of claim 1419, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1430. The method of claim 1429, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1431. The method of claim 1419, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1432. The method of claim 1421, wherein the portal includes securely issuing the token to a user.
1433. The method of claim 1428, wherein the universal electronic transaction facility stores the token.
1434. The method of claim 1419, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a
Express Mail No. PATENT jj$f $fl§6.23B2Φ BI *9 ± CSAM-0001 -PWO paid stamp, a credit card, health/fitness information, diet information, weight training information, aerobic training information, personal training information.
1435. The method of claim 1420, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1436. The method of claim 1421, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1437. The method of claim 1436, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1438. The method of claim 1419, wherein the portal is associated with presenting an electronic replica of a health/fitness token to a user via a health/fitness-token inbox user interface.
1439. The method of claim 1429, wherein the configurable things provide a profile-driven, value-added service.
1440. The method of claim 1419, wherein the health and fitness portal provides access to health and fitness information used with the universal electronic transaction facility.
1441. A system, comprising: a health/fitness portal in association with a universal electronic transaction facility;
1442. The system of claim 1441, wherein the portal is associated with a secure transaction.
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1443. The system of claim 1441, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1444. The system of claim 1443, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1445. The system of claim 1443, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, health/fitness information, diet information, weight training information, aerobic training information, personal training information.
1446. The system of claim 1442, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1447. The system of claim 1441, wherein the portal is associated with multiple domains.
1448. The system of claim 1442, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1449. The system of claim 1442, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1450. The system of claim 1441, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
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1451. The system of claim 1441, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1452. The system of claim 1451, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1453. The system of claim 1441, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1454. The system of claim 1443, wherein the portal includes securely issuing the token to a user.
1455. The system of claim 1450, wherein the universal electronic transaction facility stores the token.
1456. The system of claim 1441, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, health/fitness information, diet information, weight training information, aerobic training information, personal training information.
1457. The system of claim 1442, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1458. The system of claim 1443, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
Express Mail No. PATENT
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1459. The system of claim 1458, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1460. The system of claim 1441, wherein the portal is associated with presenting an electronic replica of a health/fitness token to a user via a health/fitness-token inbox user interface.
1461. The system of claim 1451, wherein the configurable things provide a profile-driven, value- added service.
1462. The system of claim 1441, wherein the health and fitness portal provides access to health and fitness information used with the universal electronic transaction facility.
1463. A method, comprising: providing a religious portal in association with a universal electronic transaction facility.
1464. The method of claim 1463, wherein the portal is associated with a secure transaction.
1465. The method of claim 1463, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1466. The method of claim 1465, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1467. The method of claim 1465, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, religious information, a charitable collection.
Express Mail No. PATENT
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1468. The method of claim 1464, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1469. The method of claim 1463, wherein the portal is associated with multiple domains.
1470. The method of claim 1464, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1471. The method of claim 1464, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1472. The method of claim 1463, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1473. The method of claim 1463, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1474. The method of claim 1473, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1475. The method of claim 1463, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1476. The method of claim 1465, wherein the portal includes securely issuing the token to a user.
Express Mail No. PATENT
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1477. The method of claim 1472, wherein the universal electronic transaction facility stores the token.
1478. The method of claim 1463, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, religious information, a charitable collection.
1479. The method of claim 1464, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1480. The method of claim 1465, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1481. The method of claim 1480, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1482. The method of claim 1463, wherein the portal is associated with presenting an electronic replica of a religious token to a user via a religious-token inbox user interface.
1483. The method of claim 1473, wherein the configurable things provide a profile-driven, value-added service.
1484. The method of claim 1467, wherein the religious information is at least one of the following things: passage of the day, access to a religious text, a result of a search of a religious text, an event calendar.
1485. A system, comprising:
Express Mail No. PATENT
a religious portal in association with a universal electronic transaction facility.
1486. The system of claim 1485, wherein the portal is associated with a secure transaction.
1487. The system of claim 1485, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1488. The system of claim 1487, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1489. The system of claim 1487, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, religious information, a charitable collection.
1490. The system of claim 1486, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1491. The system of claim 1485, wherein the portal is associated with multiple domains.
1492. The system of claim 1486, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1493. The system of claim 1486, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
Express Mail No. PATENT
CSAM-0001 -PWO
1494. The system of claim 1485, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1495. The system of claim 1485, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1496. The system of claim 1495, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1497. The system of claim 1485, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1498. The system of claim 1487, wherein the portal includes securely issuing the token to a user.
1499. The system of claim 1494, wherein the universal electronic transaction facility stores the token.
1500. The system of claim 1485, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, religious information, a charitable collection.
1501. The system of claim 1486, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
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1502. The system of claim 1487, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1503. The system of claim 1502, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1504. The system of claim 1485, wherein the portal is associated with presenting an electronic replica of a religious token to a user via a religious-token inbox user interface.
1505. The system of claim 1495, wherein the configurable things provide a profile-driven, value- added service.
1506. The system of claim 1489, wherein the religious information is at least one of the following things: passage of the day, access to a religious text, a result of a search of a religious text, an event calendar.
1507. A method comprising: providing a sports portal in association with a universal electronic transaction facility.
1508. The method of claim 1507, wherein the portal is associated with a secure transaction.
1509. The method of claim 1507, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1510. The method of claim 1509, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
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1511. The method of claim 1509, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a sporting event ticket, a bet, a scorecard, a lineup, a seating chart, a parking pass, a clubhouse pass, a season pass, a standing room only pass, a line score.
1512. The method of claim 1508, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1513. The method of claim 1507, wherein the portal is associated with multiple domains.
1514. The method of claim 1508, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1515. The method of claim 1508, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1516. The method of claim 1507, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1517. The method of claim 1507, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1518. The method of claim 1517, wherein the configurable things are configured based upon at least one of the following tilings: a user's preference, an expert system, a usage monitoring facility.
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1519. The method of claim 1507, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1520. The method of claim 1509, wherein the portal includes securely issuing the token to a user.
1521. The method of claim 1516, wherein the universal electronic transaction facility stores the token.
1522. The method of claim 1507, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a sporting event ticket, a bet, a scorecard, a lineup, a seating chart, a parking pass, a clubhouse pass, a season pass, a standing room only pass, a line score.
1523. The method of claim 1508, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1524. The method of claim 1509, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1525. The method of claim 1524, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1526. The method of claim 1507, wherein the portal is associated with presenting an electronic replica of a sports token to a user via a sports-token inbox user interface.
Bxpress Mail JNo. PATENT
1527. The method of claim 1517, wherein the configurable things provide a profile-driven, value-added service.
1528. The method of claim 1508, wherein the secure transaction is associated with at least one of the following: sports institution back-end systems, gambling organizations, casinos, financial services providers, payment systems, service providers.
1529. A system comprising: a sports portal in association with a universal electronic transaction facility.
1530. The system of claim 1529, wherein the portal is associated with a secure transaction.
1531. The system of claim 1529, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required jnformation for completing a transaction that is associated with the portal.
1532. The system of claim 1531, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1533. The system of claim 1531, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a sporting event ticket, a bet, a scorecard, a lineup, a seating chart, a parking pass, a clubhouse pass, a season pass, a standing room only pass, a line score.
1534. The system of claim 1530, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
Express Mail No. PATENT CSAM-0001 -PWO
1535. The system of claim 1529, wherein the portal is associated with multiple domains.
1536. The system of claim 1530, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1537. The system of claim 1530, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1538. The system of claim 1529, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1539. The system of claim 1529, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1540. The system of claim 1539, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1541. The system of claim 1529, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1542. The system of claim 1531, wherein the portal includes securely issuing the token to a user.
1543. The system of claim 1538, wherein the universal electronic transaction facility stores the token.
1544. The system of claim 1529, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance
express Mail JNo. ' PATENT sW*$®M&3M$%B® 1 CSAM-OOOl-PWO card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a sporting event ticket, a bet, a scorecard, a lineup, a seating chart, a parking pass, a clubhouse pass, a season pass, a standing room only pass, a line score.
1545. The system of claim 1530, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1546. The system of claim 1531, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1547. The system of claim 1546, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1548. The system of claim 1529, wherein the portal is associated with presenting an electronic replica of a sports token to a user via a sports-token inbox user interface.
1549. The system of claim 1539, wherein the configurable things provide a profile-driven, value- added service.
1550. The system of claim 1530, wherein the secure transaction is associated with at least one of the following: sports institution back-end systems, gambling organizations, casinos, financial services providers, payment systems, service providers.
1551. A method comprising: providing an insurance portal in association with a universal electronic transaction facility.
1552. The method of claim 1551, wherein the portal is associated with a secure transaction.
Jbxpress Mail No. PATENT
I i CSAM-0001 -PWO
1553. The method of claim 1551, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1554. The method of claim 1553, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1555. The method of claim 1553, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an insurance card, an insurance quotation, a claim, a policy, an insurance appraisal, a voucher, a surcharge, a premium, an application.
1556. The method of claim 1552, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1557. The method of claim 1551, wherein the portal is associated with multiple domains.
1558. The method of claim 1552, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1559. The method of claim 1552, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1560. The method of claim 1551, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
Express Mail No. PATENT 13«l©39gj§ O 9 „1 CSAM-0001 -PWO
1561. The method of claim 1551, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1562. The method of claim 1561, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1563. The method of claim 1551, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1564. The method of claim 1553, wherein the portal includes securely issuing the token to a user.
1565. The method of claim 1560, wherein the universal electronic transaction facility stores the token.
1566. The method of claim 1551, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an insurance card, an insurance quotation, a claim, a policy, an insurance appraisal, a voucher, a surcharge, a premium, an application.
1567. The method of claim 1552, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1568. The method of claim 1553, wherein the universal electronic transaction facility is adapted ' to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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1569. The method of claim 1568, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1570. The method of claim 1551, wherein the portal is associated with presenting an electronic replica of an insurance token to a user via an insurance-token inbox user interface.
1571. The method of claim 1561, wherein the configurable things provide a profile-driven, value-added service.
1572. The method of claim 1552, wherein the secure transaction is associated with at least one of the following: a premium payment, a claim payment, coverage denial, coverage approval, waiver of coverage, patient information, subrogation, a policy change, insurance application.
1573. A system comprising: providing an insurance portal in association with a universal electronic transaction facility.
1574. The system of claim 1573, wherein the portal is associated with a secure transaction.
1575. The system of claim 1573, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1576. The system of claim 1575, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1577. The system of claim 1575, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a
C2i.pi ebb iviau IN υ . JfA 1 JtilN 1 "Tsmmmmmi o «» i CSAM-OOOI-PWO paid stamp, a credit card, an insurance card, an insurance quotation, a claim, a policy, an insurance appraisal, a voucher, a surcharge, a premium, an application.
1578. The system of claim 1574, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1579. The system of claim 1573, wherein the portal is associated with multiple domains.
1580. The system of claim 1574, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1581. The system of claim 1574, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1582. The system of claim 1573, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1583. The system of claim 1573, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1584. The system of claim 1583, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1585. The system of claim 1573, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
express Mail Mo. PATENT
'SmmW&WtøBtø 1 CSAM-OOOI-PWO
1586, The system of claim 1575, wherein the portal includes securely issuing the token to a user.
1587. The system of claim 1582, wherein the universal electronic transaction facility stores the token.
1588. The system of claim 1573, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, an insurance card, an insurance quotation, a claim, a policy, an insurance appraisal, a voucher, a surcharge, a premium, an application.
1589. The system of claim 1574, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1590. The system of claim 1575, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1591. The system of claim 1590, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1592. The system of claim 1573, wherein the portal is associated with presenting an electronic replica of an insurance token to a user via an insurance-token inbox user interface.
1593. The system of claim 1583, wherein the configurable things provide a profile-driven, value- added service.
1594. The system of claim 1574, wherein the secure transaction is associated with at least one of the following: a premium payment, a claim payment, coverage denial, coverage approval,
Express Mail No. PATENT
"røSa©3'93ϋP§J Of fflft 1 CSAM-0001 -PWO waiver of coverage, patient information, subrogation, a policy change, insurance application.
1595. A method comprising: providing a university portal in association with a universal electronic transaction facility.
1596. The method of claim 1595, wherein the portal is associated with a secure transaction.
1597. The method of claim 1595, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1598. The method of claim 1597, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1599. The method of claim 1597, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a transcript, an admission application, an acceptance of admission, a rejection of admission, an exam, a course grade, a course schedule, a lab assignment, a lab report, a lab reservation, a book reservation, a library card, a student identification card, a meal card, residence hall key, a room key, a parking pass, a course registration, a diploma.
1600. The method of claim 1596, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1601. The method of claim 1595, wherein the portal is associated with multiple domains.
Express Mail No. PATENT
■ -r .^χ^*Α^~.,t:m , ;jL CSAM-OOOl-PWO
1602. The method of claim 1596, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1603. The method of claim 1596, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1604. The method of claim 1595, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1605. The method of claim 1595, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1606. The method of claim 1605, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1607. The method of claim 1595, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1608. The method of claim 1597, wherein the portal includes securely issuing the token to a user.
1609. The method of claim 1604, wherein the universal electronic transaction facility stores the token.
1610. The method of claim 1595, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a transcript, an admission application, an acceptance of
Express Mail No. PATENT i o *3f :i. csAM-oooi-PWO admission, a rejection of admission, an exam, a course grade, a course schedule, a lab assignment, a lab report, a lab reservation, a book reservation, a library card, a student identification card, a meal card, residence hall key, a room key, a parking pass, a course registration, a diploma.
1611. The method of claim 1596, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1612. The method of claim 1597, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1613. The method of claim 1612, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1614. The method of claim 1595, wherein the portal is associated with presenting an electronic replica of a university token to a user via a university-token inbox user interface.
1615. The method of claim 1605, wherein the configurable things provide a profile-driven, value-added service.
1616. The method of claim 1596, wherein the secure transaction is associated with at least one of the following: matriculation, graduation, a tuition payment, a financial aid application, a financial aid award, a financial aid payment, a course registration, a lab reservation, university store purchase, a student event, a course evaluation, a professor evaluation, an assignment, a test, a housing request, a meal plan selection, a declaration of major.
1617. A system comprising: providing a university portal in association with a universal electronic transaction facility.
Express Mail No. PATENT jj Aj&jMxr. -^^ 0 g ± CSAM-OOOl-PWO
1618. The system of claim 1617, wherein the portal is associated with a secure transaction.
1619. The system of claim 1617, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1620. The system of claim 1619, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1621. The system of claim 1619, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a transcript, an admission application, an acceptance of admission, a rejection of admission, an exam, a course grade, a course schedule, a lab assignment, a lab report, a lab reservation, a book reservation, a library card, a student identification card, a meal card, residence hall key, a room key, a parking pass, a course registration, a diploma.
1622. The system of claim 1618, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1623. The system of claim 1617, wherein the portal is associated with multiple domains.
1624. The system of claim 1618, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
Express Mail No. PATENT
:fi 5 :ϊ- CSAM-0001 -PWO
1625. The system of claim 1618, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1626. The system of claim 1617, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1627. The system of claim 1617, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1628. The system of claim 1627, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1629. The system of claim 1617, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1630. The system of claim 1619, wherein the portal includes securely issuing the token to a user.
1631. The system of claim 1626, wherein the universal electronic transaction facility stores the token.
1632. The system of claim 1617, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a transcript, an admission application, an acceptance of admission, a rejection of admission, an exam, a course grade, a course schedule, a lab assignment, a lab report, a lab reservation, a book reservation, a library card, a student
Express Mail No. PATENT
■'■'WβiMh&M^ "-" !|ii :lL CSAM-0001 -PWO identification card, a meal card, residence hall key, a room key, a parking pass, a course registration, a diploma.
1633. The system of claim 1618, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1634. The system of claim 1619, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1635. The system of claim 1634, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1636. The system of claim 1617, wherein the portal is associated with presenting an electronic replica of a university token to a user via a university-token inbox user interface.
1637. The system of claim 1627, wherein the configurable things provide a profile-driven, value- added service.
1638. The method of claim 1618, wherein the secure transaction is associated with at least one of the following: matriculation, graduation, a tuition payment, a financial aid application, a financial aid award, a financial aid payment, a course registration, a lab reservation, university store purchase, a student event, a course evaluation, a professor evaluation, an assignment, a test, a housing request, a meal plan selection, a declaration of major.
1639. A method comprising: providing a political party portal in association with a universal electronic transaction facility.
1640. The method of claim 1639, wherein the portal is associated with a secure transaction.
,„„,„ Express Mail No. PATENT l v Λ """ ^ " 91 CSAM-OOOl-PWO
1641. The method of claim 1639, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1642. The method of claim 1641, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1643. The method of claim 1641, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a voter registration card, a political party affiliation card.
1644. The method of claim 1640, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1645. The method of claim 1639, wherein the portal is associated with multiple domains.
1646. The method of claim 1640, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1647. The method of claim 1640, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1648. The method of claim 1639, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
Express Mail No. PATENT MwM&^B- O <91. csAM-0001 -p wo
1649. The method of claim 1639, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1650. The method of claim 1649, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1651. The method of claim 1639, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1652. The method of claim 1641, wherein the portal includes securely issuing the token to a user.
1653. The method of claim 1648, wherein the universal electronic transaction facility stores the token.
1654. The method of claim 1639, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a voter registration card, a political party affiliation card.
1655. The method of claim 1640, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1656. The method of claim 1641, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
„ ExpressJVIail No. PATENT
M έsslδia sftW^ Ω ^ Jf ■ cs AM-OOO i -PWO
1657. The method of claim 1656, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1658. The method of claim 1639, wherein the portal is associated with presenting an electronic replica of a party token to a user via a party-token inbox user interface.
1659. The method of claim 1649, wherein the configurable things provide a profile-driven, value-added service.
1660. The method of claim 1640, wherein the secure transaction is associated with at least one of the following: voting, registering, lobbying, poling, ballot counting, donating, fundraising.
1661. A system comprising: providing a political party portal in association with a universal electronic transaction facility.
1662. The system of claim 1661, wherein the portal is associated with a secure transaction.
1663. The system of claim 1661, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1664. The system of claim 1663, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1665. The system of claim 1663, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a voter registration card, a political party affiliation card.
Express Mail No. PATENT
'■■'■ " if" •SMBM&wm^ 011IIiIi ,::ll cs AM-OOO i -p wo
1666. The system of claim 1662, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1667. The system of claim 1661, wherein the portal is associated with multiple domains.
1668. The system of claim 1662, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1669. The system of claim 1662, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1670. The system of claim 1661, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1671. The system of claim 1661, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1672. The system of claim 1671, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1673. The system of claim 1661, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1674. The system of claim 1663, wherein the portal includes securely issuing the token to a user.
express Man JNo. PATENT
-'WBMi^M1 B O *9 :!, CSAM-OOOI-PWO
1675. The system of claim 1670, wherein the universal electronic transaction facility stores the token.
1676. The system of claim 1661, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a voter registration card, a political party affiliation card.
1677. The system of claim 1662, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1678. The system of claim 1663, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1679. The system of claim 1678, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1680. The system of claim 1661, wherein the portal is associated with presenting an electronic replica of a party token to a user via a party-token inbox user interface.
1681. The system of claim 1671, wherein the configurable things provide a profile-driven, value- added service.
1682. The system of claim 1662, wherein the secure transaction is associated with at least one of the following: voting, registering, lobbying, poling, ballot counting, donating, fundraising.
1683. A method comprising:
providing a pharma-exchange portal in association with a universal electronic transaction facility.
1684. The method of claim 1683, wherein the portal is associated with a secure transaction.
1685. The method of claim 1683, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1686. The method of claim 1685, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1687. The method of claim 1685, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prescription, a refill request, drug information insert.
1688. The method of claim 1684, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1689. The method of claim 1683, wherein the portal is associated with multiple domains.
1690. The method of claim 1684, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1691. The method of claim 1684, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1692. The method of claim 1683, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1693. The method of claim 1683, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1694. The method of claim 1693, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1695. The method of claim 1683, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1696. The method of claim 1685, wherein the portal includes securely issuing the token to a user.
1697. The method of claim 1692, wherein the universal electronic transaction facility stores the token.
1698. The method of claim 1683, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prescription, a refill request, drug information insert.
1699. The method of claim 1684, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
PATENT
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1700. The method of claim 1685, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1701. The method of claim 1700, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1702. The method of claim 1683, wherein the portal is associated with presenting an electronic replica of a pharma-exchange token to a user via a pharma-exchange-token inbox user interface.
1703. The method of claim 1693, wherein the configurable things provide a profile-driven, value-added service.
1704. The method of claim 1684, wherein the secure transaction is associated with at least one of the following: prescribing, refilling, drug order, generic substitution.
1705. A system comprising: providing a pharma-exchange portal in association with a universal electronic transaction facility.
1706. The system of claim 1705, wherein the portal is associated with a secure transaction.
1707. The system of claim 1705, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1708. The system of claim 1707, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1709. The system of claim 1707, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prescription, a refill request, drug information insert.
1710. The system of claim 1706, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1711. The system of claim 1705, wherein the portal is associated with multiple domains.
1712. The system of claim 1706, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1713. The system of claim 1706, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1714. The system of claim 1705, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1715. The system of claim 1705, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1716. The system of claim 1715, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
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1717. The system of claim 1705, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1718. The system of claim 1707, wherein the portal includes securely issuing the token to a user.
1719. The system of claim 1714, wherein the universal electronic transaction facility stores the token.
1720. The system of claim 1705, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a prescription, a refill request, drug information insert.
1721. The system of claim 1706, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1722. The system of claim 1707, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1723. The system of claim 1722, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1724. The system of claim 1705, wherein the portal is associated with presenting an electronic replica of a pharma-exchange token to a user via a pharma-exchange-token inbox user interface.
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1725. The system of claim 1715, wherein the configurable things provide a profile-driven, value- added service.
1726. The system of claim 1706, wherein the secure transaction is associated with at least one of the following: prescribing, refilling, drug order, generic substitution.
1727. A method comprising: providing a commodity exchange portal in association with a universal electronic transaction facility.
1728. The method of claim 1727, wherein the portal is associated with a secure transaction.
1729. The method of claim 1727, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1730. The method of claim 1729, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1731. The method of claim 1729, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a commodity purchase order.
1732. The method of claim 1728, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1733. The method of claim 1727, wherein the portal is associated with multiple domains.
1734. The method of claim 1728, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1735. The method of claim 1728, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1736. The method of claim 1727, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1737. The method of claim 1727, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1738. The method of claim 1737, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1739. The method of claim 1727, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1740. The method of claim 1729, wherein the portal includes securely issuing the token to a user.
1741. The method of claim 1736, wherein the universal electronic transaction facility stores the token.
1742. The method of claim 1727, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a commodity purchase order.
1743. The method of claim 1728, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1744. The method of claim 1729, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1745. The method of claim 1744, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1746. The method of claim 1727, wherein the portal is associated with presenting an electronic replica of a commodity exchange token to a user via a commodity exchange-token inbox user interface.
1747. The method of claim 1737, wherein the configurable things provide a profile-driven, value-added service.
1748. The method of claim 1728, wherein the secure transaction is associated with at least one of the following: placing a bid for a commodity purchase, paying for a commodity purchase, scheduling a shipment of commodities, registering with a commodity bidding system.
1749. A system comprising: providing a commodity exchange portal in association with a universal electronic transaction facility.
1750. The system of claim 1749, wherein the portal is associated with a secure transaction.
1751. The system of claim 1749, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1752. The system of claim 1751, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1753. The system of claim 1751, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a commodity purchase order.
1754. The system of claim 1750, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1755. The system of claim 1749, wherein the portal is associated with multiple domains.
1756. The system of claim 1750, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1757. The system of claim 1750, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1758. The system of claim 1749, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
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1759. The system of claim 1749, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1760. The system of claim 1759, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1761. The system of claim 1749, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1762. The system of claim 1751, wherein the portal includes securely issuing the token to a user.
1763. The system of claim 1758, wherein the universal electronic transaction facility stores the token.
1764. The system of claim 1749, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a commodity purchase order.
1765. The system of claim 1750, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1766. The system of claim 1751, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
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1767. The system of claim 1766, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1768. The system of claim 1749, wherein the portal is associated with presenting an electronic replica of a commodity exchange token to a user via a commodity exchange-token inbox user interface.
1769. The system of claim 1759, wherein the configurable things provide a profile-driven, value- added service.
1770. The system of claim 1750, wherein the secure transaction is associated with at least one of the following: placing a bid for a commodity purchase, paying for a commodity purchase, scheduling a shipment of commodities, registering with a commodity bidding system.
1771. A method comprising: providing a airline portal in association with a universal electronic transaction facility.
1772. The method of claim 1771, wherein the portal is associated with a secure transaction.
1773. The method of claim 1771, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1774. The method of claim 1773, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1775. The method of claim 1773, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a seat assignment, a seating chart, a manifest, a class upgrade.
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1776. The method of claim 1772, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1777. The method of claim 1771, wherein the portal is associated with multiple domains.
1778. The method of claim 1772, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1779. The method of claim 1772, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1780. The method of claim 1771, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1781. The method of claim 1771, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1782. The method of claim 1781, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1783. The method of claim 1771, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1784. The method of claim 1773, wherein the portal includes securely issuing the token to a user.
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1785. The method of claim 1780, wherein the universal electronic transaction facility stores the token.
1786. The method of claim 1771, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a seat assignment, a seating chart, a manifest, a class upgrade.
1787. The method of claim 1772, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1788. The method of claim 1773, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1789. The method of claim 1788, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1790. The method of claim 1771, wherein the portal is associated with presenting an electronic replica of an airline token to a user via an airline-token inbox user interface.
1791. The method of claim 1781, wherein the configurable things provide a profile-driven, value-added service.
1792. The method of claim 1772, wherein the secure transaction is associated with at least one of the following: registering, booking, checking in, deplaning.
1793. A system comprising: providing a airline portal in association with a universal electronic transaction facility.
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1794. The system of claim 1793, wherein the portal is associated with a secure transaction.
1795. The system of claim 1793, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1796. The system of claim 1795, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1797. The system of claim 1795, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a seat assignment, a seating chart, a manifest, a class upgrade.
1798. The system of claim 1794, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1799. The system of claim 1793, wherein the portal is associated with multiple domains.
1800. The system of claim 1794, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1801. The system of claim 1794, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1802. The system of claim 1793, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
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1803. The system of claim 1793 , wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1804. The system of claim 1803, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1805. The system of claim 1793, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1806. The system of claim 1795, wherein the portal includes securely issuing the token to a user.
1807. The system of claim 1802, wherein the universal electronic transaction facility stores the token.
1808. The system of claim 1793, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a seat assignment, a seating chart, a manifest, a class upgrade.
1809. The system of claim 1794, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1810. The system of claim 1795, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1811. The system of claim 1810, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1812. The system of claim 1793, wherein the portal is associated with presenting an electronic replica of an airline token to a user via an airline-token inbox user interface.
1813. The system of claim 1803, wherein the configurable things provide a profile-driven, value- added service.
1814. The system of claim 1794, wherein the secure transaction is associated with at least one of the following: registering, booking, checking in, deplaning.
1815. A method comprising: providing a transportation industry portal in association with a universal electronic transaction facility.
1816. The method of claim 1815, wherein the portal is associated with a secure transaction.
1817. The method of claim 1815, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1818. The method of claim 1817, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1819. The method of claim 1817, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a
"""•^ϊ&SOQ l CSAM-OOOΪ-PWO paid stamp, a credit card, a registration, a daily schedule, an inspection certificate, an insurance coverage card.
1820. The method of claim 1816, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1821. The method of claim 1815, wherein the portal is associated with multiple domains.
1822. The method of claim 1816, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1823. The method of claim 1816, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1824. The method of claim 1815, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1825. The method of claim 1815, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1826. The method of claim 1825, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1827. The method of claim 1815, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
_
CSAM-0001 -PWO
1828. The method of claim 1817, wherein the portal includes securely issuing the token to a user.
1829. The method of claim 1824, wherein the universal electronic transaction facility stores the token.
1830. The method of claim 1815, wherein the transaction is associated with at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a registration, a daily schedule, an inspection certificate, an insurance coverage card.
1831. The method of claim 1816, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1832. The method of claim 1817, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1833. The method of claim 1832, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1834. The method of claim 1815, wherein the portal is associated with presenting an electronic replica of an transportation industry token to a user via an transportation-industry-token inbox user interface.
1835. The method of claim 1825, wherein the configurable things provide a profile-driven, value-added service.
1836. The method of claim 1816, wherein the secure transaction is associated with at least one of the following: registering, paying excise tax, applying for a license, a road test, paying sales tax.
1837. A system comprising: providing a transportation industry portal in association with a universal electronic transaction facility.
1838. The system of claim 1837, wherein the portal is associated with a secure transaction.
1839. The system of claim 1837, wherein the portal is associated with a token that includes at least one of the following things: branding, images, required information for completing a transaction that is associated with the portal.
1840. The system of claim 1839, wherein the portal includes securely and electronically conducting at least one of the following actions: communicating the token, communicating the token in real time, reproducing the token, storing the token.
1841. The system of claim 1839, wherein the token is an electronic replica of at least one of the following things: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a paid stamp, a credit card, a registration, a daily schedule, an inspection certificate, an insurance coverage card.
1842. The system of claim 1838, wherein the transaction is conducted using at least one of the following things: infrared communication, radiofrequency communication, a bar code, an over-the-air communication, a biometric parameter.
1843. The system of claim 1837, wherein the portal is associated with multiple domains.
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1844. The system of claim 1838, wherein the transaction is at least one of the following things: a proximity transaction, an over-the-air transaction.
1845. The system of claim 1838, wherein the transaction is secured using a three-dimensional security protocol that is based upon at least a domain, the universal electronic transaction facility, and a user.
1846. The system of claim 1837, wherein the portal includes securely and electronically storing at least one of the following things: a receipt, an acknowledgement.
1847. The system of claim 1837, wherein the portal is associated with at least one of the following configurable things: a user interface, a personalized application, a non- personalized application, a web-based personalized portal.
1848. The system of claim 1847, wherein the configurable things are configured based upon at least one of the following things: a user's preference, an expert system, a usage monitoring facility.
1849. The system of claim 1837, wherein the portal includes provisioning at least one of the following things: multiple tokens, multiple services, multiple personalized applications, multiple non-personalized applications.
1850. The system of claim 1839, wherein the portal includes securely issuing the token to a user.
1851. The system of claim 1846, wherein the universal electronic transaction facility stores the token.
1852. The system of claim 1837, wherein the transaction is associated with at least one of the following tilings: a frequent flyer card, a stored value card, a loyalty card, an insurance card, a driver's license, a bill, a promotion, a coupon, a receipt, an acknowledgement, a
paid stamp, a credit card, a registration, a daily schedule, an inspection certificate, an insurance coverage card.
1853. The system of claim 1838, wherein the transaction is at least one of the following things: secure, in real time, provided in association with an on-line settlement, provided in association with an off-line settlement, provided using a preferred mode of payment, provided at a preferred time, provided at a preferred location.
1854. The system of claim 1839, wherein the universal electronic transaction facility is adapted to alert a user based upon at least one of the following things: an attribute of the token, a determination by an expert system.
1855. The system of claim 1854, wherein the attribute is at least one of the following: an issuance data, a number of days prior to a date, a date, an amount, a time.
1856. The system of claim 1837, wherein the portal is associated with presenting an electronic replica of an transportation industry token to a user via an transportation-industry-token inbox user interface.
1857. The system of claim 1847, wherein the configurable things provide a profile-driven, value- added service.
1858. The system of claim 1838, wherein the secure transaction is associated with at least one of the following: registering, paying excise tax, applying for a license, a road test, paying sales tax.
1859. A method, comprising: providing a financial service in association with a universal electronic transaction facility.
1860. The method of claim 1859, wherein
_
■•'2?gMliS ° 9 :iL CSAM-OOOΪ-PWO the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
1861. The method of claim 1859, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
1862. The method of claim 1861, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
1863. The method of claim 1859, wherein the universal electronic transaction facility is a client device.
1864. The method of claim 1861, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
1865. The method of claim 1864, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of a check, a number of checks remaining, a number of days before a coupon can be redeemed, a redemption datea due date, a time, a time of issuance, a financial balance.
1866. The method of claim 1861, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle; a license; a cancelled check.
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1867. The method of claim 1866, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
1868. The method of claim 1866, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
1869. The method of claim 1866, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
1870. The method of claim 1866, wherein the electronic replica contains a payment stamp.
1871. The method of claim 1861, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
1872. The method of claim 1871, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
1873. The method of claim 1871, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
1874. The method of claim 1871, wherein, issuing the transfer is initiated via wireless communications.
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1875. The method of claim 1871, wherein issuing the transfer is initiated via proximity-based communications.
1876. The method of claim 1871, wherein the units are financial units.
1877. The method of claim 1866, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
1878. The method of claim 1877, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
1879. The method of claim 1866, wherein the electronic replica contains a summary that is associated with the financial service.
1880. The method of claim 1861, wherein the financial service further includes securely redeeming the electronic replica.
1881. The method of claim 1880, wherein a wireless communication initiates securely redeeming the electronic replica.
1882. The method of claim 1880, wherein a proximity-based communication initiates securely redeeming the electronic replica.
1883. The method of claim 1861, wherein the financial service further includes securely receiving the electronic replica.
1884. A system, comprising: a financial service in association with a universal electronic transaction facility.
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1885. The system of claim 1884, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
1886. The system of claim 1884, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
1887. The system of claim 1886, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
1888. The system of claim 1884, wherein the universal electronic transaction facility is a client device.
1889. The system of claim 1896, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
1890. The system of claim 1889, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of a check, a number of checks remaining, a number of days before a coupon can be redeemed, a redemption datea due date, a time, a time of issuance, a financial balance.
1891. The system of claim 1896, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that
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CSAM-0001 -PWO is associated with a bill; a transaction summary statement; a marketing vehicle; a license; a cancelled check.
1892. The system of claim 1891, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
1893. The system of claim 1891, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
1894. The system of claim 1891, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
1895. The system of claim 1891, wherein the electronic replica contains a payment stamp.
1896. The system of claim 1896, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
1897. The system of claim 1896, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
1898. The system of claim 1896, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
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1899. The system of claim 1896, wherein, issuing the transfer is initiated via wireless communications.
1900. The system of claim 1896, wherein issuing the transfer is initiated via proximity-based communications.
1901. The system of claim 1896, wherein the units are financial units.
1902. The system of claim 1891, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
1903. The system of claim 1902, wherein the financial service further comprises a use of the funds by the user that receives the funds.
1904. The system of claim 1891, wherein the electronic replica contains a summary that is associated with the financial service.
1905. The system of claim 1886, wherein the financial service further includes the electronic replica securely redeemed.
1906. The system of claim 1905, wherein a wireless communication initiates securely redeeming the electronic replica.
1907. The system of claim 1905, wherein a proximity-based communication initiates securely redeeming the electronic replica.
1908. The system of claim 1886, wherein the financial service further includes the electronic replica securely received.
1909. A method, comprising:
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1910. The method of claim 1909, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
1911. The method of claim 1909, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money transfer token, a prepaid airtime token, a loyalty card, an account, a coupon, a promotion, a license, a driver's license.
1912. The method of claim 1911, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
1913. The method of claim 1909, wherein the universal electronic transaction facility is a client device.
1914. The method of claim 1911, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
1915. The method of claim 1914, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a date of travel, a due date, a time, a time of issuance, a financial balance.
1916. The method of claim 1911, wherein
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W&MtxJ§&P^:ϊ" ' CSAM-0001 -PWO the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license; a cancelled check.
1917. The method of claim 1916, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
1918. The method of claim 1916, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
1919. The method of claim 1916, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
1920. The method of claim 1916, wherein the electronic replica contains a payment stamp.
1921. The method of claim 1911, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
1922. The method of claim 1921, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
1923. The method of claim 1921, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
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1924. The method of claim 1921, whe;ein, issuing the transfer is initiated via wireless communications.
1925. The method of claim 1921, wherein issuing the transfer is initiated via proximity-based communications.
1926. The method of claim 1921, wherein the units are financial units.
1927. The method of claim 1921, wherein the units are airtime units.
1928. The method of claim 1916, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
1929. The method of claim 1928, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
1930. The method of claim 1916, wherein the electronic replica contains a summary that is associated with the financial service.
1931. The method of claim 1912, wherein the transaction involves procuring a service from a merchant.
1932. The method of claim 1911, wherein the financial service further includes securely redeeming the electronic replica.
1933. The method of claim 1932, wherein a wireless communication initiates securely redeeming the electronic replica.
m '9m m i. CSAM-OO^PWO
1934. The method of claim 1932, wherein a proximity-based communication initiates securely redeeming the electronic replica.
1935. The method of claim 1911, wherein the financial service further includes securely receiving the electronic replica.
1936. A system, comprising: a financial service in association with a universal electronic transaction facility; wherein the financial service is issuance of a coupon.
1937. The system of claim 1936, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
1938. The system of claim 1936, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money transfer token, a prepaid airtime token, a loyalty card, an account, a coupon, a promotion, a license, a driver's license.
1939. The system of claim 1938, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
1940. The system of claim 1936, wherein the universal electronic transaction facility is a client device.
1941. The system of claim 1938, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
CSAM-OOOl-PWO
1942. The system of claim 1941, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a date of travel, a due date, a time, a time of issuance, a financial balance.
1943. The system of claim 1938, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license; a cancelled check.
1944. The system of claim 1943, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
1945. The system of claim 1943, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
1946. The system of claim 1943, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
1947. The system of claim 1943, wherein the electronic replica contains a payment stamp.
1948. The system of claim 1938, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
1949. The system of claim 1948, wherein
the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
1950. The system of claim 1948, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
1951. The system of claim 1948, wherein, issuing the transfer is initiated via wireless communications.
1952. The system of claim 1948, wherein issuing the transfer is initiated via proximity-based communications.
1953. The system of claim 1948, wherein the units are financial units.
1954. The system of claim 1948, wherein the units are airtime units.
1955. The system of claim 1943, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
1956. The system of claim 1955, wherein the financial service further comprises a use of the funds by the user that receives the funds.
1957. The system of claim 1943, wherein the electronic replica contains a summary that is associated with the financial service.
1958. The system of claim 1939, wherein the transaction involves procuring a service from a merchant.
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1959. The system of claim 1938, wherein the financial service further includes the electronic replica securely redeemed.
1960. The system of claim 1959, wherein a wireless communication initiates securely redeeming the electronic replica.
1961. The system of claim 1959, wherein a proximity-based communication initiates securely redeeming the electronic replica.
1962. The system of claim 1938, wherein the financial service further includes the electronic replica securely received.
1963. A method, comprising: providing a financial service in association with a universal electronic transaction facility.
1964. The method of claim 1963, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
1965. The method of claim 1963, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money order, money transfer token, a prepaid airtime token, a ticket, a ticket associated with a violation, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
1966. The method of claim 1965, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
_
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CSAM-OOOl-PWO
1967. The method of claim 1963, wherein the universal electronic transaction facility is a client device.
1968. The method of claim 1965, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
1969. The method of claim 1968, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of a check, a number of days before a coupon can be redeemed, a redemption date, a date of travel, a due date, a time, a time of issuance, a financial balance.
1970. The method of claim 1965, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle; a ticket associated with a violation; a license.
1971. The method of claim 1970, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
1972. The method of claim 1970, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
1973. The method of claim 1970, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
1974. The method of claim 1970, wherein
l
the electronic replica contains a payment stamp.
1975. The method of claim 1965, wherein the financial service further includes enabling a user to pay another user.
1976. The method of claim 1975, wherein the other user has a universal electronic transaction facility.
1977. The method of claim 1975, wherein paying another user occurs securely and in real time.
1978. The method of claim 1975, wherein paying another user is associated with an on-line settlement.
1979. The method of claim 1975, wherein paying another user is associated with an off-line settlement.
1980. The method of claim 1965, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
1981. The method of claim 1980, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
1982. The method of claim 1980, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
1983. The method of claim 1980, wherein,
H •■■' M fmUUw><iQΦH. lt.nll "ail .1. CSAM-0001 -PWO issuing the transfer is initiated via wireless communications.
1984. The method of claim 1980, wherein issuing the transfer is initiated via proximity-based communications.
1985. The method of claim 1980, wherein the units are financial units.
1986. The method of claim 1980, wherein the units are airtime units.
1987. The method of claim 1970, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
1988. The method of claim 1987, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
1989. The method of claim 1970, wherein the electronic replica contains a summary that is associated with the financial service.
1990. The method of claim 1989, wherein the financial service is a ticket issuance service.
1991. The method of claim 1989, wherein the summary is a frequent flyer summary.
1992. The method of claim 1965, wherein the electronic replica includes a cancelled check.
1993. The method of claim 1966, wherein the transaction involves procuring a service from a merchant.
1994. The method of claim 1965, wherein the financial service further includes securely redeeming the electronic replica.
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1995. The method of claim 1994, wherein a wireless communication initiates securely redeeming the electronic replica.
1996. The method of claim 1994, wherein a proximity-based communication initiates securely redeeming the electronic replica.
1997. The method of claim 1965, wherein the financial service further includes securely receiving the electronic replica.
1998. The method of claim 1965, wherein the financial service is the issuance of a ticket that is associated with a violation, and wherein the electronic replica is of a driver's license.
1999. The method of claim 1966, wherein the transaction is a procurement of a service from a ticket issuer.
2000. A system, comprising: a financial service in association with a universal electronic transaction facility.
2001. The system of claim 2000, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2002. The system of claim 2000, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money order, money transfer token, a prepaid airtime token, a ticket, a ticket associated with a violation, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
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CSAM-0001 -PWO
2003. The system of claim 2002, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
2004. The system of claim 2000, wherein the universal electronic transaction facility is a client device.
2005. The system of claim 2002, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
2006. The system of claim 2005, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of a check, a number of days before a coupon can be redeemed, a redemption date, a date of travel, a due date, a time, a time of issuance, a financial balance.
2007. The system of claim 2002, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle; a ticket associated with a violation; a license.
2008. The system of claim 2007, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
2009. The system of claim 2007, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2010. The system of claim 2007, wherein
rt\ 1 J3J.N 1
CSAM-OOOl-PWO the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2011. The system of claim 2007, wherein the electronic replica contains a payment stamp.
2012. The system of claim 2002, wherein the financial service further includes a user enabled to pay another user.
2013. The system of claim 2012, wherein the other user has a universal electronic transaction facility.
2014. The system of claim 2012, wherein paying another user occurs securely and in real time.
2015. The system of claim 2012, wherein paying another user is associated with an on-line settlement.
2016. The system of claim 2012, wherein paying another user is associated with an off-line settlement.
2017. The system of claim 2002, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
2018. The system of claim 2017, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2019. The system of claim 2017, wherein
^
'■"' fe¥gr#fe9'iϋlθ 'ςif :iL CSAM-OOOl-PWO enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2020. The system of claim 2017, wherein, issuing the transfer is initiated via wireless communications.
2021. The system of claim 2017, wherein issuing the transfer is initiated via proximity-based communications.
2022. The system of claim 2017, wherein the units are financial units.
2023. The system of claim 2017, wherein the units are airtime units.
2024. The system of claim 2007, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2025. The system of claim 2024, wherein the financial service further comprises a use of the funds enabled by the user that receives the funds.
2026. The system of claim 2007, wherein the electronic replica contains a summary that is associated with the financial service.
2027. The system of claim 2026, wherein the financial service is a ticket issuance service.
2028. The system of claim 2026, wherein the summary is a frequent flyer summary.
2029. The system of claim 2002, wherein the electronic replica includes a cancelled check.
• T / &&®fø$8δ&Q ** ■*■ CSAM-OOOl-PWO
203.0. The system of claim 2003, wherein the transaction involves procuring a service from a merchant.
2031. The system of claim 2002, wherein the financial service further includes the electronic replica securely redeemed.
2032. The system of claim 2031, wherein a wireless communication initiates securely redeeming the electronic replica.
2033. The system of claim 2031, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2034. The system of claim 2002, wherein the financial service further includes the electronic replica securely received.
2035. The system of claim 2002, wherein the financial service is the issuance of a ticket that is associated with a violation, and wherein the electronic replica is of a driver's license.
2036. The system of claim 2003, wherein the transaction is a procurement of a service from a ticket issuer.
2037. A method, comprising: providing a financial service in association with a universal electronic transaction facility; wherein the financial service is a top-up transaction.
2038. The method of claim 2037, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
■''ΪΛilibMllI10 ^ ■! CSAM-0001 -PWO
2039. The method of claim 2037, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money transfer token, a prepaid airtime token, a ticket, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
2040. The method of claim 2039, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
2041. The method of claim 2037, wherein the universal electronic transaction facility is a client device.
2042. The method of claim 2039, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
2043. The method of claim 2042, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2044. The method of claim 2039, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license; a cancelled check.
2045. The method of claim 2044, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
1
/VJJ .føføWU ipiyyfF .JiL. CSAM-O
2046. The method of claim 2044, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2047. The method of claim 2044, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2048. The method of claim 2044, wherein the electronic replica contains a payment stamp.
2049. The method of claim 2039, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
2050. The method of claim 2049, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
205.1. The method of claim 2049, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2052. The method of claim 2049, wherein, issuing the transfer is initiated via wireless communications.
2053. The method of claim 2049, wherein issuing the transfer is initiated via proximity-based communications.
2054. The method of claim 2049, wherein the units are financial units.
f'ir Ω »ii r/\ i CiN i
CSAM-0001 -PWO
2055. The method of claim 2049, wherein the units are airtime units.
2056. The method of claim 2044, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2057. The method of claim 2056, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
2058. The method of claim 2044, wherein the electronic replica contains a summary that is associated with the financial service.
2059. The method of claim 2040, wherein the transaction involves procuring a service from a merchant.
2060. The method of claim 2039, wherein the financial service further includes enabling a top-up of an account, wherein the top-up is securely initiated at the universal electronic transaction facility.
2061. The method of claim 2039, wherein the financial service further includes securely redeeming the electronic replica.
2062. The method of claim 2061, wherein a wireless communication initiates securely redeeming the electronic replica.
2063. The method of claim 2061, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2064. The method of claim 2039, wherein
rAl JClN l
CSAM-0001 -PWO the financial service further includes securely receiving the electronic replica.
2065. A system, comprising: a financial service in association with a universal electronic transaction facility; wherein the financial service is a top-up transaction.
2066. The system of claim 2065, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2067. The system of claim 2065, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money transfer token, a prepaid airtime token, a ticket, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
2068. The system of claim 2067, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
2069. The system of claim 2065, wherein the universal electronic transaction facility is a client device.
2070. The system of claim 2067, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
2071. The system of claim 2070, wherein
/TWfifO iff ^11TO ft CU -ii r Ά L βIN l
Ewszkmtezhs ° CSAM-OOOI-PWO the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2072. The system of claim 2067, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license; a cancelled check.
2073. The system of claim 2072, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
2074. The system of claim 2072, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2075. The system of claim 2072, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2076. The system of claim 2072, wherein the electronic replica contains a payment stamp.
2077. The system of claim 2067, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
2078. The system of claim 2077, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
JTAiJIiN i mI&mpm, CSAM-OOOl-PWO
2079. The system of claim 2077, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2080. The system of claim 2077, wherein, issuing the transfer is initiated via wireless communications.
2081. The system of claim 2077, wherein issuing the transfer is initiated via proximity-based communications.
2082. The system of claim 2077, wherein the units are financial units.
2083. The system of claim 2077, wherein the units are airtime units.
2084. The system of claim 2072, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2085. The system of claim 2084, wherein the financial service further comprises a use of the funds enabled by the user that receives the funds.
2086. The system of claim 2072, wherein the electronic replica contains a summary that is associated with the financial service.
2087. The system of claim 2068, wherein the transaction involves procuring a service from a merchant.
2088. The system of claim 2067, wherein
^ ^ ^
[:;:ir/i^Siδ30iOii;;;i ± CSAM-OOOl-PWO the financial service further includes a top-up of an account, wherein the top-up is securely initiated at the universal electronic transaction facility.
2089. The system of claim 2067, wherein the financial service further includes the electronic replica securely redeemeded.
2090. The system of claim 2089, wherein a wireless communication initiates securely redeeming the electronic replica.
2091. The system of claim 2089, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2092. The system of claim 2067, wherein the financial service further includes the electronic replica securely received.
2093. A method, comprising: providing a financial service in association with a universal electronic transaction facility, wherein the financial service is funds transfer.
2094. The method of claim 2093, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2095. The method of claim 2093, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, money transfer token, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
2096. The method of claim 2095, wherein
the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
2097. The method of claim 2093, wherein the universal electronic transaction facility is a client device.
2098. The method of claim 2095, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
2099. The method of claim 2098, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2100. The method of claim 2095, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license; a cancelled check.
2101. The method of claim 2100, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
2102. The method of claim 2100, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2103. The method of claim 2100, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
^ χ ^x „ χ yϊ§lΪ623M®:il ® :l CSAM-0001-PWO
2104. The method of claim 2100, wherein the electronic replica contains a payment stamp.
2105. The method of claim 2095, wherein the financial service further includes enabling a user to pay another user.
2106. The method of clai210506, wherein the other user has a universal electronic transaction facility.
2107. The method of clai210506, wherein paying another user occurs securely and in real time.
2108. The method of clai210506, wherein paying another user is associated with an on-line settlement.
2109. The method of clai210506, wherein paying another user is associated with an off-line settlement.
2110. The method of claim 2095, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
2111. The method of clai211011, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2112. The method of clai211011, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
•tr vimmmmttw**^ CSAM-OOOI-PWO
2113. The method of clai211011, wherein, issuing the transfer is initiated via wireless communications.
2114. The method of clai211011, wherein issuing the transfer is initiated via proximity-based communications.
2115. The method of clai211011, wherein the units are financial units.
2116. The method of claim 2100, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2117. The method of clai211011, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
2118. The method of claim 2100, wherein the electronic replica contains a summary that is associated with the financial service.
2119. The method of claim 2096, wherein the transaction involves procuring a service from a merchant.
2120. The method of claim 2095, wherein the financial service further includes securely redeeming the electronic replica.
2121. The method of clai212021, wherein a wireless communication initiates securely redeeming the electronic replica.
2122. The method of clai212021, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2123. The method of claim 2095, wherein the financial service further includes securely receiving the electronic replica.
2124. A system, comprising: a financial service in association with a universal electronic transaction facility, wherein the financial service is funds transfer.
2125. The system of clai212425, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2126. The system of clai212425, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, money transfer token, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
2127. The system of clai212627, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
2128. The system of clai212425, wherein the universal electronic transaction facility is a client device.
2129. The system of clai212627, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
2130. The system of clai212930, wherein
wfeMfafή s&ffisr "3 Jl csAM-0001 -PWO the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2131. The system of clai212627, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license; a cancelled check.
2132. The system of clai213132, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
2133. The system of clai213132, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2134. The system of clai213132, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2135. The system of clai213132, wherein the electronic replica contains a payment stamp.
2136. The system of clai212627, wherein the financial service further includes a user enabled to pay another user.
2137. The system of clai213637, wherein the other user has a universal electronic transaction facility.
2138. The system of clai213637, wherein paying another user occurs securely and in real time.
- l! y A#5%l;23'93tJ§ U J J" CSAM-OOOl-PWO
2139. The system of clai213637, wherein paying another user is associated with an on-line settlement.
2140. The system of clai213637, wherein paying another user is associated with an off-line settlement.
2141. The system of clai212627, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
2142. The system of clai214142, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2143. The system of clai214142, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2144. The system of clai214142, wherein, issuing the transfer is initiated via wireless communications.
2145. The system of clai214142, wherein issuing the transfer is initiated via proximity-based communications.
2146. The system of clai214142, wherein the units are financial units.
2147. The system of clai213132, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
'«sggggføα« CSAM-OOOI-PWO
2148. The system of clai214142, wherein the financial service further comprises a use of the funds enabled by the user that receives the funds.
2149. The system of clai213132, wherein the electronic replica contains a summary that is associated with the financial service.
2150. The system of clai212728, wherein the transaction involves procuring a service from a merchant.
2151. The system of clai212627, wherein the financial service further includes the electronic replica securely redeemed.
2152. The system of clai215152, wherein a wireless communication initiates securely redeeming the electronic replica.
2153. The system of clai215152, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2154. The system of clai212627, wherein the financial service further includes the electronic replica securely received.
2155. A method, comprising: providing a financial service in association with a universal electronic transaction facility; wherein the financial service is money order payment.
2156. The method of claim 2155, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
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2157. The method of claim 2155, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money order, money transfer token, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
2158. The method of claim 2157, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
2159. The method of claim 2155, wherein the universal electronic transaction facility is a client device.
2160. The method of claim 2157, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
2161. The method of claim 2160, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2162. The method of claim 2157, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license.
2163. The method of claim 2162, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
feinUf-IM.. CSAM-OOOl-PWO
2164. The method of claim 2162, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2165. The method of claim 2162, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2166. The method of claim 2162, wherein the electronic replica contains a payment stamp.
2167. The method of claim 2157, wherein the financial service further includes enabling a user to pay another user.
2168. The method of claim 2167, wherein the other user has a universal electronic transaction facility.
2169. The method of claim 2167, wherein paying another user occurs securely and in real time.
2170. The method of claim 2167, wherein paying another user is associated with an on-line settlement.
2171. The method of claim 2167, wherein paying another user is associated with an off-line settlement.
2172. The method of claim 2157, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
2173. The method of claim 2172, wherein
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the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2174. The method of claim 2172, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2175. The method of claim 2172, wherein, issuing the transfer is initiated via wireless communications.
2176. The method of claim 2172, wherein issuing the transfer is initiated via proximity-based communications.
2177. The method of claim 2172, wherein the units are financial units.
2178. The method of claim 2162, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2179. The method of claim 2178, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
2180. The method of claim 2162, wherein the electronic replica contains a summary that is associated with the financial service.
2181. The method of claim 2157, wherein the financial service further includes securely redeeming the electronic replica.
2182. The method of claim 2181, wherein a wireless communication initiates securely redeeming the electronic replica.
2183. The method of claim 2181, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2184. The method of claim 2157, wherein the financial service further includes securely receiving the electronic replica.
2185. A system, comprising: a financial service in association with a universal electronic transaction facility; wherein the financial service is money order payment.
2186. The system of claim 2185, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2187. The system of claim 2185, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a payment token, money order, money transfer token, a loyalty card, an account, a coupon, a promotion, a check book, a check, a license, a driver's license.
2188. The system of claim 2187, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
2189. The system of claim 2185, wherein the universal electronic transaction facility is a client device.
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CSAM-0001 -PWO
2190. The system of claim 2187, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
2191. The system of claim 2190, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2192. The system of claim 2187, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a transaction summary statement; a marketing vehicle; a license.
2193. The system of claim 2192, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
2194. The system of claim 2192, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2195. The system of claim 2192, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2196. The system of claim 2192, wherein the electronic replica contains a payment stamp.
2197. The system of claim 2187, wherein the financial service further includes a user enabled to pay another user.
2198. The system of claim 2197, wherein the other user has a universal electronic transaction facility.
2199. The system of claim 2197, wherein paying another user occurs securely and in real time.
2200. The system of claim 2197, wherein paying another user is associated with an on-line settlement.
2201. The system of claim 2197, wherein paying another user is associated with an off-line settlement.
2202. The system of claim 2187, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
2203. The system of claim 2202, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2204. The system of claim 2202, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2205. The system of claim 2202, wherein, issuing the transfer is initiated via wireless communications.
2206. The system of claim 2202, wherein issuing the transfer is initiated via proximity-based communications.
2207. The system of claim 2202, wherein the units are financial units.
2208. The system of claim 2192, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2209. The system of claim 2208, wherein the financial service further comprises a use of the funds enabled by the user that receives the funds.
2210. The system of claim 2192, wherein the electronic replica contains a summary that is associated with the financial service.
2211. The system of claim 2187, wherein the financial service further includes the electronic replica securely redeemed.
2212. The system of claim 2211, wherein a wireless communication initiates securely redeeming the electronic replica.
2213. The system of claim 2211, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2214. The system of claim 2187, wherein the financial service further includes the electronic replica securely received.
2215. A method, comprising: providing a financial service in association with a universal electronic transaction facility; wherein the financial service is person-to-person payment.
2216. The method of claim 2215, wherein
the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2217. The method of claim 2215, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, money transfer token, a loyalty card, an account, a coupon, a promotion, a license, a driver's license.
2218. The method of claim 2217, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
2219. The method of claim 2215, wherein the universal electronic transaction facility is a client device.
2220. The method of claim 2217, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
2221. The method of claim 2220, wherein the attribute is associated with at least one of a date of expiry, a change of address, a redemption date, a due date, a time, a time of issuance, a financial balance.
2222. The method of claim 2217, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle; a license.
2223. The method of claim 2222, wherein
•'' EVfSte393:ΘfitJ i!"iff J" CSAM-OOOl-PWO the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
2224. The method of claim 2222, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2225. The method of claim 2222, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2226. The method of claim 2222, wherein the electronic replica contains a payment stamp.
2227. The method of claim 2217, wherein the financial service further includes enabling a user to pay another user.
2228. The method of claim 2227, wherein the other user has a universal electronic transaction facility.
2229. The method of claim 2227, wherein paying another user occurs securely and in real time.
2230. The method of claim 2227, wherein paying another user is associated with an on-line settlement.
2231. The method of claim 2227, wherein paying another user is associated with an off-line settlement.
2232. The method of claim 2217, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
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2233. The method of claim 2232, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2234. The method of claim 2232, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2235. The method of claim 2232, wherein, issuing the transfer is initiated via wireless communications.
2236. The method of claim 2232, wherein issuing the transfer is initiated via proximity-based communications.
2237. The method of claim 2232, wherein the units are financial units.
2238. The method of claim 2222, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2239. The method of claim 2238, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
2240. The method of claim 2222, wherein the electronic replica contains a summary that is associated with the financial service.
2241. The method of claim 2217, wherein the financial service further includes securely redeeming the electronic replica.
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2242. The method of claim 2241, wherein a wireless communication initiates securely redeeming the electronic replica.
2243. The method of claim 2241, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2244. The method of claim 2217, wherein the financial service further includes securely receiving the electronic replica.
2245. A system, comprising: a financial service in association with a universal electronic transaction facility; wherein the financial service is person-to-person payment.
2246. The system of claim 2245, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2247. The system of claim 2245, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, money transfer token, a loyalty card, an account, a coupon, a promotion, a license, a driver's license.
2248. The system of claim 2247, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
2249. The system of claim 2245, wherein the universal electronic transaction facility is a client device.
2250. The system of claim 2247, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
2251. The system of claim 2250, wherein the attribute is associated with at least one of a date of expiry, a change of address, a redemption date, a due date, a time, a time of issuance, a financial balance.
■2252. The system of claim 2247, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle; a license.
2253. The system of claim 2252, wherein the license is at least one of a driver's license, a gun license, a liquor license, a fishing license, a hunting license.
2254. The system of claim 2252, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2255. The system of claim 2252, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2256. The system of claim 2252, wherein the electronic replica contains a payment stamp.
2257. The system of claim 2247, wherein the financial service further includes a user enabled to pay another user.
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2258. The system of claim 2257, wherein the other user has a universal electronic transaction facility.
2259. The system of claim 2257, wherein paying another user occurs securely and in real time.
2260. The system of claim 2257, wherein paying another user is associated with an on-line settlement.
2261. The system of claim 2257, wherein paying another user is associated with an off-line settlement.
2262. The system of claim 2247, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
2263. The system of claim 2262, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2264. The system of claim 2262, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2265. The system of claim 2262, wherein, issuing the transfer is initiated via wireless communications.
2266. The system of claim 2262, wherein issuing the transfer is initiated via proximity-based communications.
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2267. The system of claim 2262, wherein the units are financial units.
2268. The system of claim 2252, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2269. The system of claim 2268, wherein the financial service further comprises a use of the funds enabled by the user that receives the funds.
2270. The system of claim 2252, wherein the electronic replica contains a summary that is associated with the financial service.
2271. The system of claim 2247, wherein the financial service further includes the electronic replica securely redeemed.
2272. The system of claim 2271, wherein a wireless communication initiates securely redeeming the electronic replica.
2273. The system of claim 2271, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2274. The system of claim 2247, wherein the financial service further includes the electronic replica securely received.
2275. A method, comprising: providing a financial service in association with a universal electronic transaction facility, wherein the financial service is bill payment.
2276. The method of claim 2275, wherein
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./ Jriføgfeft jtft *i ** 1 CSAM-OOOl-PWO the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2277. The method of claim 2275, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, an account, a coupon, a promotion, a check book, a check,.
2278. The method of claim 2277, wherein the financial service further includes communicating at least one of branding, an image, information required to complete a transaction.
2279. The method of claim 2275, wherein the universal electronic transaction facility is a client device.
2280. The method of claim 2277, wherein the financial service further includes alerting a user based on at least one attribute of the at least one item.
2281. The method of claim 2280, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of a check, a number of checks remaining, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2282. The method of claim 2277, wherein the financial service further includes enabling a user to securely pay the bill using universal electronic transaction facility.
2283. The method of claim 2282, wherein paying the bill occurs in real time.
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2284. The method of claim 2282, wherein paying the bill is associated with an on-line settlement of the bill.
2285. The method of claim 2282, wherein paying the bill is associated with an off-line settlement of the bill.
2286. The method of claim 2282, wherein paying the bill is associated with at least one of a preferred mode of payment, a preferred time, a preferred location.
2287. The method of claim 2277, wherein the financial service further comprises securely issuing, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle.
2288. The method of claim 2287, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2289. The method of claim 2287, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2290. The method of claim 2287, wherein the electronic replica contains a payment stamp.
2291. The method of claim 2277, wherein the financial service further includes enabling a user to pay another user.
2292. The method of claim 2291, wherein the other user has a universal electronic transaction facility.
PATENT CSAM-0001 -PWO
2293. The method of claim 2291, wherein paying another user occurs securely and in real time.
2294. The method of claim 2291, wherein paying another user is associated with an on-line settlement.
2295. The method of claim 2291, wherein paying another user is associated with an off-line settlement.
2296. The method of claim 2277, wherein the financial service further includes enabling a transfer of units that is securely initiated at the universal electronic transaction facility.
2297. The method of claim 2296, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2298. The method of claim 2296, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2299. The method of claim 2296, wherein, issuing the transfer is initiated via wireless communications.
2300. The method of claim 2296, wherein issuing the transfer is initiated via proximity-based communications.
2301. The method of claim 2296, wherein the units are financial units.
2302. The method of claim 2287, wherein
WSB&SSfl&n * :l CSAM-OOOl-PWO the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2303. The method of claim 2302, wherein the financial service further comprises enabling a use of the funds by the user that receives the funds.
2304. The method of claim 2287, wherein the electronic replica contains a summary that is associated with the financial service.
2305. The method of claim 2287, wherein the electronic replica includes a cancelled check.
2306. The method of claim 2278, wherein the transaction involves procuring a service from a merchant.
2307. The method of claim 2277, wherein the financial service further includes securely redeeming the electronic replica.
2308. The method of claim 2307, wherein a wireless communication initiates securely redeeming the electronic replica.
2309. The method of claim 2307, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2310. The method of claim 2277, wherein the financial service further includes securely receiving the electronic replica.
2311. A system, comprising: a financial service in association with a universal electronic transaction facility, wherein the financial service is bill payment.
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2312. The system of claim 2311, wherein the universal electronic transaction facility is capable of providing a separate security protocol based on at least a domain, a device and a user of the universal electronic transaction facility.
2313. The system of claim 2311, wherein the financial service includes securely issuing, to the universal electronic transaction facility, at least one electronic replica of at least one of the following items: a bill from a bill issuer, a payment token, an account, a coupon, a promotion, a check book, a check,.
2314. The system of claim 2313, wherein the financial service further includes communication of at least one of branding, an image, information required to complete a transaction.
2315. The system of claim 2311, wherein the universal electronic transaction facility is a client device.
2316. The system of claim 2313, wherein the financial service further includes a user alert based on at least one attribute of the at least one item.
2317. The system of claim 2316, wherein the attribute is associated with at least one of a date of expiry, a change of address, a number of a check, a number of checks remaining, a number of days before a coupon can be redeemed, a redemption date, a due date, a time, a time of issuance, a financial balance.
2318. The system of claim 2313, wherein the financial service further includes a user to securely pay the bill using universal electronic transaction facility.
2319. The system of claim 2318, wherein paying the bill occurs in real time.
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2320. The system of claim 2318, wherein paying the bill is associated with an on-line settlement of the bill.
2321. The system of claim 2318, wherein paying the bill is associated with an off-line settlement of the bill.
2322. The system of claim 2318, wherein paying the bill is associated with at least one of a preferred mode of payment, a preferred time, a preferred location.
2323. The system of claim 2313, wherein the financial service further comprises securely issued, to the universal electronic transaction facility, an electronic replica of at least one of the following confirmations: a receipt that is associated with a bill; a transaction summary statement; a marketing vehicle.
2324. The system of claim 2323, wherein the marketing vehicle is at least one of a loyalty card, an account, a coupon, a promotion.
2325. The system of claim 2323, wherein the transaction summary statement is associated with a transaction between a user of the universal transaction facility and another user.
2326. The system of claim 2323, wherein the electronic replica contains a payment stamp.
2327. The system of claim 2313, wherein the financial service further includes a user enabled to pay another user.
2328. The system of claim 2327, wherein the other user has a universal electronic transaction facility.
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2329. The system of claim 2327, wherein paying another user occurs securely and in real time.
2330. The system of claim 2327, wherein paying another user is associated with an on-line settlement.
2331. The system of claim 2327, wherein paying another user is associated with an off-line settlement.
2332. The system of claim 2313, wherein the financial service further includes a transfer of units that is securely initiated at the universal electronic transaction facility.
2333. The system of claim 2332, wherein the financial service includes debiting units from a first account and crediting at units to a second account, wherein at least one of the debiting or crediting is contingent on validating a user and a request.
2334. The system of claim 2332, wherein enabling the financial service includes issuing a request to a service provider, wherein the request is associated with completing the crediting and debiting under the control of the service provider.
2335. The system of claim 2332, wherein, issuing the transfer is initiated via wireless communications.
2336. The system of claim 2332, wherein issuing the transfer is initiated via proximity-based communications.
2337. The system of claim 2332, wherein the units are financial units.
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2338. The system of claim 2323, wherein the electronic replica is delivered to a universal electronic transaction facility of a user that receives funds according to the financial service.
2339. The system of claim 2338, wherein the financial service further comprises a use of the funds enabled by the user that receives the funds.
2340. The system of claim 2323, wherein the electronic replica contains a summary that is associated with the financial service.
2341. The system of claim 2323, wherein the electronic replica includes a cancelled check.
2342. The system of claim 2278, wherein the transaction involves procuring a service from a merchant.
2343. The system of claim 2277, wherein the financial service further includes the electronic replica securely redeemed.
2344. The system of claim 2307, wherein a wireless communication initiates securely redeeming the electronic replica.
2345. The system of claim 2307, wherein a proximity-based communication initiates securely redeeming the electronic replica.
2346. The system of claim 2277, wherein the financial service further includes the electronic replica securely received.