Abstract: A reward system and method for cash replacement cards wherein a card is issue by a bank or other financial institution to a cardholder. Such a card may be a credit or debit card and provides for a reward, not available to the general public, to the cardholder, based on his or her usage, in the form of a commodity that has a known history of increasing in value over time, such as diamonds.

Abstract: A reward system and method for cash replacement cards wherein a card is issue by or other financial institution to a cardholder. Such a card may be a credit or debit card and provides for a reward, not available to the general public, to the cardholder,based on his or her usage,in the form of a commodity that has a known history of increasing in value over time,such as diamonds.

Abstract: A method enabling two populations of persons, one being sedentary (for example a provider of long-distance services) and the other being nomadic (for example the customers of this provider of services) to exchange data in a sure and speedy manner, comprises the following steps:portable objects are placed at the disposal of the persons belonging to the nomadic population, these objects having the credit card format and being customized by specific identifiers for each person and for each card, the card is used to transmit at least partially encrypted DTMF type brief acoustic identification signals which are received by means of the microphone of a standard telephone set and processed by means of the standard telephone set so that the resulting signal can be transmitted, through a telephone or computer network, to the data-processing service of at least one of the persons of the sedentary population,the signals coming from the card are processed by means of a specific software program whose parameters are a fun

Abstract: Disclosed is a method enabling the generation, by means of voice frequencies, of a sequence of several characters and the high-speed transmission of these characters. This method comprises the step of the elimination, during transmission, of the blanks between two successive characters when these characters are distinct or are encoded distinctly.