Abstract: A transaction router and corresponding process that enables the point-of-sale activation (POSA) of POSA type devices, such as POSA pre-paid gift cards, debit cards, telephone cards and cellular replenishment cards, while utilizing a standard credit card swipe terminal (reader). The transaction router, during use, receives the output of the reader and allows standard credit and debit card transactions to pass to the financial transaction processing entity that is called by the reader, to allow the financial transaction to be carried out. If the card or device being read by the reader is a POSA type device to be activated, then the router routes the communication initiated by the reader to another processing entity capable of activating the POSA device. The reader is unaware of the existence of the router and operates in its ordinary manner, whether standard credit and debit cards are being processed, or whether a POSA card or other POSA device is being activated.

Abstract: Methods and apparatuses for purchasing telephone calling card minutes and for conducting other forms of electronic commerce. In one embodiment, a method for conducting electronic commerce includes providing a kiosk in a publicly accessible location, and displaying one or more transaction options to a user at the kiosk. The method may further include receiving a transaction selection from the user corresponding to one or more of the displayed transaction options, determining an amount due from the user in response to the transaction selection, and receiving funds from the user. In response to receiving the funds, the kiosk may dispense a redeemable voucher to the user, including a redeemable voucher for any amount paid in excess of the amount due.

Abstract: Methods and apparatuses for purchasing telephone calling card minutes and for conducting other forms of electronic commerce. In one embodiment, a method for conducting electronic commerce includes providing a kiosk in a publicly accessible location, and displaying one or more transaction options to a user at the kiosk. The method may further include receiving a transaction selection from the user corresponding to one or more of the displayed transaction options, determining an amount due from the user in response to the transaction selection, and receiving funds from the user. In response to receiving the funds, the kiosk may dispense a redeemable voucher to the user, including a redeemable voucher for any amount paid in excess of the amount due.