Abstract: A smart phone payment management system includes a synthetic barcode module and near field communication module. Each module is configured to wirelessly convey payment information to a point of sale, with the synthetic barcode module being available for use if the point of sale is not equipped with a compatible near field communication terminal.

Abstract: A semiconductor memory device including a plurality of memory die and a controller die. The controller die is connected to an internal control bus. The controller die is configured to provide to a selected one of the memory die an internal read command responsive to an external read command. The selected memory die is configured to provide read data to the controller in response to the internal read command; wherein latency between receipt by the controller die of the external read command and receipt of the read data from the selected memory die differs for at least two of the memory die when selected as the selected memory die.