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International Search Report from co-pending PCT Application No. PCT/US2009/043988 dated Jul. 14, 2009.

International Search Report from co-pending PCT Application No. PCT/US2009/039512 dated Jun. 8, 2009.

International Search Report from co-pending PCT Application No. PCT/US2009/039504 dated May 27, 2009.

International Search Report from co-pending PCT Application No. PCT/US2009/043978 dated Jun. 30, 2009.

Office Action dated Mar. 4, 2011, in co-pending U.S. Appl. No. 12/338,684.

Office Action dated Mar. 17, 2011, in co-pending U.S. Appl. No. 12/417,199.

Office Action dated Mar. 17, 2011, in co-pending U.S. Appl. No. 12/465,803.

Office Action dated Mar. 22, 2011, in co-pending U.S. Appl. No. 12/338,584.

Office Action dated Mar. 29, 2011, in co-pending U.S. Appl. No. 12/417,21 1.

Office Action dated Mar. 29, 2011, in co-pending U.S. Appl. No. 12/407,320.

VeriFone TCL Terminal Control Language Programmer’s Manual, VeriFone Part No. 00368-01, Revision G, Manual Revision 8.0, Aug. 1992, 362 pages.

VeriFone Tranz 330 Reference Manual, Verifone Part No. 00483Revision D, Manual Revision 3.01, Apr. 1990, 144 pages. MicroTrax Ltd. Omni 490M (and 490ML) Operation Manual for Integrated and Non-Integrated Configurations, 1994, 60 pages. MicroTrax Electronic Payment Systems: The MicroTrax Pinstripe Lane Equipment Users Guide, MicroTrax Ltd., Newport Beach, CA 1991, 54 pages.

IBM 4680-4690 Supermarket ApplicationiElectronic Funds Transfer Feature Enhancement: User’s Guide, IBM Corp., Research Triangle Park, NC, Sep. 1995, 318 pages.

IBM 4680 General Sales Application Electronic Funds Transfer User’s Guide, IBM Corp., Research Triangle Park, NC, Dec. 1990, 260 pages.

IBM 4680 General Sales Application Electronic Funds Transfer User’s Guide, IBM Corp., Research Triangle Park, NC, Mar. 1991, 263 pages.

IBM 4680 General Sales Application: Guide to Operations, Research Triangle Park, NC, Jun. 1991, 429 pages.

Office Action dated Jul. 9, 2010 for U.S. Appl. No. 12/338,365. Office Action dated Jul. 9, 2010 for U.S. Appl. No. 12/338,645. Office Action dated Sep. 28, 2010 for co-pending U.S. Appl. No. 12/338,402, filed Dec. 18,2008.

Office Action dated Sep. 3, 2010 for co-pending U.S. Appl. No. 12/417,162, filed Apr. 2, 2009.

Office Action in co-pending U.S. Appl. No. 12/609,896 dated Apr. 5, 201 1.

OfficeAction in co-pendingU.S. Appl. No. 12/417,162 datedApr. 13, 201 1.

Orszag, Peter, “Unemployment Insurance as an Economic Stimulus”, Center for Budget and Policy Priorities, Nov. 15, 2011. Powell, Robert L., “Statewide Electronic Commerce Program Status Report”, State of North Carolina Office of the State Controller, Mar. 7, 2007.

Parrott, James, “Jittery Wall Street, Calm City?”, Gotham Gazette, Apr. 16,2007.

Zandi, Mark, “Washington Throws the Economy a Rope”, Moody’s Economy.com, Jan. 22, 2008.

Blair, Christine E et al., “Challenges to the Dual Banking System: The Funding of Bank Supervision” FDIC Bank Review, Mar. 31, 2006.

Office Action for co-pending U.S. Appl. No. 12/367,187 dated Jun. 27, 201 1.

“Developing Asia and the World”, Asian Development Bank 2002.

* cited by examiner

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201---\r

TRAVELER ESTABLISI-IES TRAVEL ARRANGEMENTS TO A SELECTED COUNTRY COMMENCING AT A PRESELECTED TRAVEL DATE

203 \ I,

TRAVELER AN D/OR TRAVEL AGENT DETERMINES AN AMOUNT OF
FOREIGN DESTINATION CURRENCY FUNDS REQUIRED
TO PROSECUTE TRAVEL ARRANGEMENTS

205-_-_~.\ 1,
TRAVELER IS APPRISED OF POTENTIAL FOREIGN CURRENCY
EXCHANGE RATE VOLATILITY

207-\ i

TRAVELER OR TRAVEL AGENT ESTIMATES AN AMOUNT OF FOREIGN
DESTINATION CURRENCY DESIRED DURING TRAVEL IN THE
SELECTED FOREIGN DESTINATION COUNTRY

209-\ 1

TRAVELER IS OFFERED OPPORTUNITY TO CONVERT SUFFICIENT DOMESTIC CURRENCY FUNDS TO FOREIGN DESTINATION CURRENCY FUNDS TO LOCK IN PRESENT CURRENCY EXCHANGE RATE

211--\__ I,

FINANCIAL INSTITUTION ESTABLISHES AN lNTEREST~BEARING FOREIGN DESTINATION CURRENCY TRANSACTION ACCOUNT ON BEHALF OF THE TRAVELER

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251-\ I, PROVIDE ACCESS TO THE FORETGN DESTINATION CURRENCY FUNDS

MANAGE THE FOREIGN DESTINATION CURRENCY 1N THE TRANSACTION ACCOUNT DURING EXECUTION OF THE TRAVEL ARRANGEMENTS

271 -\ A

MANAGE THE FOREBGN CURRENCY IN THE TRANSACTION ACCOUNT UPON RETURN FROM TRAVEL

F163

FlNANCIAL_;l'NSTITUTION' ESTABLISHES AN INTEREST-BEARING FOREIGN
DESTINATION CURRENCY ‘TRANSACTION ACCOUNT
ON BEHALF OF THE TRAVELER

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F261 4.

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