Abstract: The present invention relates to a process for producing an transparent or translucent transaction device having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the device is visible through the device body. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or device manufacturing assembly line.

Abstract: Transaction tokens (“fobs”) having wireless functionality and methods of using the same are provided. More specifically, fobs are provided having radio frequency functionality such that information, such as payment information, identification information, or other like information, may be wirelessly transmitted from a memory within the fob to a receiver. The fobs provided herein may comprise a microchip or other memory means, and/or antenna disposed on or within an insert and encased within an enclosure in an interior compartment. The fobs may be provided with a quick-release mechanism for easily attaching to and detaching from a securing means, such as a keychain or the like. Moreover, the interior compartments of the fobs may be easily accessible for replacing the insert contained therein.

Abstract: The present invention relates to a process for producing an transparent or translucent transaction device having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the device is visible through the device body. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or device manufacturing assembly line.

Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

Abstract: An international payment system, where a payment instruction is communicated from a customer in one country to a local currency account in another country. A payment is then provided from the local currency account to a destination/beneficiary account of an intended beneficiary. Separately, a payment request is communicated to a funds account to ensure that sufficient funds to cover the payment are provided to a treasury account. The funds at the treasury account may be exchanged for the foreign currency of the local currency account, and payment made to the local currency account either by transferring funds directly to it, or by providing a credit entry in a general ledger on behalf of the local currency account in the first country. The system enables direct access to transaction status information at the local currency account. A customized international payment transaction user interface is also provided.