Abstract: A system comprises a client module installed on a vending machine, the vending machine displaying one or more items for purchase in a first arrangement, and a purchase fulfilment subsystem. A QR code is generated by the purchase fulfilment subsystem and transmitted to the client module. A first set of signals to initiate a transaction is transmitted by the user device to the purchase fulfilment system. The purchase fulfilment subsystem transmits to the user device a second set of signals to display elements in a second arrangement. The user device transmits a third set of signals to the purchase fulfilment subsystem related to activation of an element. The purchase fulfilment subsystem transmits to the client module a fourth set of signals comprising commands to enable the vending machine to dispense an item. The client module sends one or more instructions to the vending machine to dispense the item.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: A system comprises a client module installed on a vending machine, the vending machine displaying one or more items for purchase in a first arrangement, and a purchase fulfilment subsystem. A QR code is generated by the purchase fulfilment subsystem and transmitted to the client module. A first set of signals to initiate a transaction is transmitted by the user device to the purchase fulfilment system. The purchase fulfilment subsystem transmits to the user device a second set of signals to display elements in a second arrangement. The user device transmits a third set of signals to the purchase fulfilment subsystem related to activation of an element. The purchase fulfilment subsystem transmits to the client module a fourth set of signals comprising commands to enable the vending machine to dispense an item. The client module sends one or more instructions to the vending machine to dispense the item.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: A method for pairing a first Bluetooth device with an individual Bluetooth device address with a group of Bluetooth devices, said method comprising: assigning a group Bluetooth device address to each of said group of Bluetooth devices; the first Bluetooth device exchanging Bluetooth device addresses with a second Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said second Bluetooth device; establishing a link key; storing the group Bluetooth device address and the link key; the first Bluetooth device exchanging Bluetooth device addresses with a third Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said third Bluetooth device; recognizing the group Bluetooth device address assigned to the third Bluetooth device; and establishing a communications channel between said first Bluetooth device and said third Bluetooth device based on said link key.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.

Abstract: An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Abstract: A method for pairing a first Bluetooth device with an individual Bluetooth device address with a group of Bluetooth devices, said method comprising: assigning a group Bluetooth device address to each of said group of Bluetooth devices; the first Bluetooth device exchanging Bluetooth device addresses with a second Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said second Bluetooth device; establishing a link key; storing the group Bluetooth device address and the link key; the first Bluetooth device exchanging Bluetooth device addresses with a third Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said third Bluetooth device; recognizing the group Bluetooth device address assigned to the third Bluetooth device; and establishing a communications channel between said first Bluetooth device and said third Bluetooth device based on said link key.

Abstract: A method for pairing a first Bluetooth device with an individual Bluetooth device address with a group of Bluetooth devices, said method comprising: assigning a group Bluetooth device address to each of said group of Bluetooth devices; the first Bluetooth device exchanging Bluetooth device addresses with a second Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said second Bluetooth device; establishing a link key; storing the group Bluetooth device address and the link key; the first Bluetooth device exchanging Bluetooth device addresses with a third Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said third Bluetooth device; recognizing the group Bluetooth device address assigned to the third Bluetooth device; and establishing a communications channel between said first Bluetooth device and said third Bluetooth device based on said link key.

Abstract: A method for pairing a first Bluetooth device with an individual Bluetooth device address with a group of Bluetooth devices, said method comprising: assigning a group Bluetooth device address to each of said group of Bluetooth devices; the first Bluetooth device exchanging Bluetooth device addresses with a second Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said second Bluetooth device; establishing a link key; storing the group Bluetooth device address and the link key; the first Bluetooth device exchanging Bluetooth device addresses with a third Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said third Bluetooth device; recognizing the group Bluetooth device address assigned to the third Bluetooth device; and establishing a communications channel between said first Bluetooth device and said third Bluetooth device based on said link key.

Abstract: A method for pairing a first Bluetooth device with an individual Bluetooth device address with a group of Bluetooth devices, said method comprising: assigning a group Bluetooth device address to each of said group of Bluetooth devices; the first Bluetooth device exchanging Bluetooth device addresses with a second Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said second Bluetooth device; establishing a link key; storing the group Bluetooth device address and the link key; the first Bluetooth device exchanging Bluetooth device addresses with a third Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said third Bluetooth device; recognizing the group Bluetooth device address assigned to the third Bluetooth device; and establishing a communications channel between said first Bluetooth device and said third Bluetooth device based on said link key.

Abstract: A method for pairing a first Bluetooth device with an individual Bluetooth device address with a group of Bluetooth devices, said method comprising: assigning a group Bluetooth device address to each of said group of Bluetooth devices; the first Bluetooth device exchanging Bluetooth device addresses with a second Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said second Bluetooth device; establishing a link key; storing the group Bluetooth device address and the link key; the first Bluetooth device exchanging Bluetooth device addresses with a third Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said third Bluetooth device; recognizing the group Bluetooth device address assigned to the third Bluetooth device; and establishing a communications channel between said first Bluetooth device and said third Bluetooth device based on said link key.

Abstract: A method for pairing a first Bluetooth device with an individual Bluetooth device address with a group of Bluetooth devices, said method comprising: assigning a group Bluetooth device address to each of said group of Bluetooth devices; the first Bluetooth device exchanging Bluetooth device addresses with a second Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said second Bluetooth device; establishing a link key; storing the group Bluetooth device address and the link key; the first Bluetooth device exchanging Bluetooth device addresses with a third Bluetooth device from said group of Bluetooth devices when said first Bluetooth device comes within communication range of said third Bluetooth device; recognizing the group Bluetooth device address assigned to the third Bluetooth device; and establishing a communications channel between said first Bluetooth device and said third Bluetooth device based on said link key.

Abstract: An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed.

Abstract: An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.