Abstract: This invention discloses a system for processing multimedia content from multiple sources. The system can adjust the viewable size of a video stream as well as control how additional customized graphics and text are integrated together to produce a single multimedia output stream. The layout and content of the output is completely configurable to accommodate text (ex: notices, scrollers, tickers), images (ex: logos, advertisements, banners), audio, and streaming video (ex: movies, cable, satellite, games).

Abstract: With greater frequency, POS (point of sale) devices are being deployed for retail loyalty applications. The current process is for each of these applications to be custom programmed for each merchant. Such custom application development significantly increases the cost beyond the reach of small to midsize merchants. This invention is an “out-of-the-box”, turnkey retail marketing solution that empowers individual merchants to set up and configure their own customer loyalty applications using their own unique cards or tokens, or by enrolling compatible cards and/or tokens from other programs. Now smaller merchants can benefit from the same powerful marketing programs that were previously only available to the larger national chain stores.

Abstract: As smart cards and related advanced tokens are introduced into the mainstream the lack of data architecture standards significantly limit interoperability between similar systems. This problem is compounded at the application level where it is almost impossible to read and interpret data from a smart card that has been created and issued by an unrelated source.

Abstract: A smart card is ideally suited for applications such as cash replacement, loyalty, membership, physical access, network/information security, healthcare, and transportation. In fact, a single card can manage and deliver multiple applications. This “sharing” of a card, however, presents numerous challenges for keeping the application data separate and retaining ownership. This invention describes a method for the secure allocation and control of card resources. Specifically, the application providers can be given control over their own specific application domain yet the card issuer still retains ultimate ownership control of the card and therefore can dictate what applications can be loaded.