Abstract: The invention relates to a personal, reusable straw and a case comprising a holder for the straw, where the case comprises elements to flush, wash, clean, sanitize, and/or dry the straw in the holder. A pump may pump fluid from a fluid reservoir to lead fluid into and/or around the straw. A fan may blow air to the straw for drying the outside and/or inside of the straw. A heating element may dry the straw. A UV or other light source may provide light which is directed to sanitize the outer and inner surfaces of the straw. A controller in the case may control these elements. The controller may include a wireless transceiver for communication with a mobile application to enable a user to control the elements manually and/or via a program.

Abstract: Managing digital media files in a computer network by storing a set of derivative files and a logical association of the derivative files with the first digital media file; generating a first cryptographic token; associating the first cryptographic token with the first digital media file; associating the first cryptographic token with a first wallet address corresponding to a first wallet; generating a serialized set of non-fungible tokens and associating individual ones of the non-fungible tokens with individual ones of the derivative files; and associating individual ones of the non-fungible tokens with individual wallet addresses of a second set of wallets; and limiting the initial transferability of the first cryptographic token from the first wallet to one of the second set of wallets.

Abstract: A universal financial card is provided having a first memory location, which is configured to store a plurality of financial institution identifiers. The universal financial card further includes a second memory location, which is configured to store a plurality of account identifiers which are configured to represent a plurality of accounts at the plurality of financial institutions. The universal financial card next includes a third memory location, which is configured to store identification information associated with the plurality of accounts. The identification information includes at least authorized user information. A read device is included with the universal financial card and is configured to be read by a card reader and enable a financial transaction to be executed on one of the plurality of accounts identified by one of the plurality of account identifiers.

Abstract: A point-of-sale terminal is provided that includes a financial information reader. The financial information reader is configured to read and receive financial information from a card, such as a debit or credit card, which is associated with at least one account. The point-of-sale terminal further includes an input device, which is configured to receive a request for a select cash amount in excess of an amount of the purchase transaction. The point-of-sale terminal next includes a control system, which is configured to request authorization for payment of the amount of the purchase transaction and the select cash amount on the account. The financial information reader is configured to read and receive the financial information form the card in connection with the request for authorization.

Abstract: A multi-factor rate analysis system and method for analyzing service plan rates, service providers, and savings other information is provided. Rate information may be based on one or more of historical and other user specific usage information and preferences, current rate information for one or more services as well as other information. This information way be used to identify one or more rate plans that are advantageous to a user, enable the user to select from the identified plans, facilitate the ability Of the user to switch from one rate plan to another and provide other benefits and advantages.

Abstract: A fuel dispenser control system is provided which includes a biometric device. The biometric device is configured to acquire instances of biometric information in connection with respective fueling transactions. The fuel dispenser control system further includes a control subsystem. The control subsystem is configured to receive at least first biometric information in connection with at least a first fueling transaction, request comparison of the first biometric information with second biometric information associated with corresponding financial information, and determine whether to effect payment of the fueling transaction on the account, based on the comparison.

Abstract: A multi-factor rate analysis system and method for analyzing service plan rates, service providers, and savings other information is provided. Rate information may be based on one or more of historical and other user specific usage information and preferences, current rate information for one or more services as well as other information. This information may be used to identify one or more rate plans that are advantageous to a user, enable the user to select from the identified plans, facilitate the ability of the user to switch from one rate plan to another and provide other benefits and advantages.

Abstract: An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions. Another asset of an ATM system and method comprises a graphical user interface that enables a user to select a transaction type and the transaction parameters necessary to define that transaction from a single display.

Abstract: A point-of-sale terminal is provided that includes a financial information reader. The financial information reader is configured to read and receive financial information from a card, such as a debit or credit card, which is associated with at least one account. The point-of-sale terminal further includes an input device, which is configured to receive a request for a select cash amount in excess of an amount of the purchase transaction. The point-of-sale terminal next includes a control system, which is configured to request authorization for payment of the amount of the purchase transaction and the select cash amount on the account. The financial information reader is configured to read and receive the financial information form the card in connection with the request for authorization.

Abstract: A fuel dispenser control system is provided which includes a biometric device. The biometric device is configured to acquire instances of biometric information in connection with respective fueling transactions. The fuel dispenser control system further includes a control subsystem. The control subsystem is configured to receive at least first biometric information in connection with at least a first fueling transaction, request comparison of the first biometric information with second biometric information associated with corresponding financial information, and determine whether to effect payment of the fueling transaction on the account, based on the comparison.

Abstract: A universal financial card is provided having a first memory location, which is configured to store a plurality of financial institution identifiers. The universal financial card further includes a second memory location, which is configured to store a plurality of account identifiers which are configured to represent a plurality of accounts at the plurality of financial institutions. The universal financial card next includes a third memory location, which is configured to store identification information associated with the plurality of accounts. The identification information includes at least authorized user information. A read device is included with the universal financial card and is configured to be read by a card reader and enable a financial transaction to be executed on one of the plurality of accounts identified by one of the plurality of account identifiers.

Abstract: An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions. Another asset of an ATM system and method comprises a graphical user interface that enables a user to select a transaction type and the transaction parameters necessary to define that transaction from a single display.

Abstract: An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired translation by a single selection or with limited inputs. The ATM system may preselect transaction types and/or transaction parameters based on stored information relating to the user (such as a previous transaction or other information). If the selections are as the user desires them to be for the desired transaction, then the user can simply click on a command button (e.g. a button labeled “OK”) to cause the transaction to be executed. This potentially reduces the number of inputs or selections that a user must make to execute a desire transaction.

Abstract: An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions. Another asset of an ATM system and method comprises a graphical user interface that enables a user to select a transaction type and the transaction parameters necessary to define that transaction from a single display.

Abstract: An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions. Another asset of an ATM system and method comprises a graphical user interface that enables a user to select a transaction type and the transaction parameters necessary to define that transaction from a single display.

Abstract: A multi-factor rate analysis system and method for analyzing service plan rates, service providers, and savings other information is provided. Rate information may be based on one or more of historical and other user specific usage information and preferences, current rate information for one or more services as well as other information. This information may be used to identify one or more rate plans that are advantageous to a user, enable the user to select from the identified plans, facilitate the ability of the user to switch from one rate plan to another and provide other benefits and advantages.

Abstract: An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions. Another asset of an ATM system and method comprises a graphical user interface that enables a user to select a transaction type and the transaction parameters necessary to define that transaction from a single display.

Abstract: A fuel pump system with automated transaction processing enables a purchaser to define a plurality of fuel pump transactions by selecting various transaction parameters that define the transaction and store the predefined transactions on a storage medium (e.g. on an identification card bearing a magnetic strip). Then, at a fuel pump, the purchaser can pass the identification card through a magnetic card reader that reads the stored transaction information and a controller can cause the stored transaction(s) to be displayed so that a purchaser can select a transaction for execution. The purchaser may enter a single input to select a transaction, thereby simplifying and further expediting the transaction and automated processing thereof. The transaction parameters may include one or more of the form of payment (debit card, credit card, etc.), where the transaction is to be executed (e.g. at the pump or "inside"), the type and grade of fuel to be purchased (e.g. regular unleaded, premium unleaded, diesel etc.

Abstract: An electronic fund transfer (EFT) system capable of displaying a menu including one or more user-defined custom transactions associated with an identification card so that the user can select a desired transaction by a single selection or with limited inputs. The transactions may be defined by a user during a set-up/authorization operation and/or may be stored based on transactions performed by the user. Additionally, the transactions may be stored on the identification card, in a local memory of a transaction terminal and/or in a system memory of the EFT system. A single identification card may be used to enable the user to select from a plurality of financial accounts with different institutions.