Abstract: A method of managing a transaction between a user intending to acquire a product and a merchant offering products. The user has a first terminal for communicating with said merchant and a second terminal for communicating with the financial institution. At least one transmission during the transaction is performed by near field communications. In addition, security is enhanced because longer validation codes can be used by the method.

Abstract: A physical device, the possession of which may provide access to digital media content in a fashion similar to the possession of a DVD providing access to the media content stored thereupon on a suitable DVD player. The possession of the physical device grants access to digital content stored on a remote server using a suitable device such as e.g., a set-top box or media player having Internet connectivity. The physical device provides for convenient and possibly anonymous access to content stored on a remote server and has certain advantages over known techniques for storing rights to access the content.