Abstract: A client device may receive an offer from a tandem device. The offer may include an indication of a location and a cost. In response to receiving the offer, the client device may display a representation of the offer. The client device may receive acceptance of the offer. In response to receiving the acceptance of the offer, the client device may transmit an indication of the acceptance to the tandem device. The indication may include an encrypted payment token, and the encrypted payment token may include an encrypted instruction to (i) debit a first account associated with the client device based on the cost, and (ii) credit a second account associated with the tandem device based on the cost.

Abstract: A universal readable/writable memory storage mechanism that interfaces with a variety of consumer electronic devices to enable storage, playback, and transfer of data between a range of devices is provided.