Abstract: Geotags, installed at fixed locations, communicate location specific information to a Device that uses that information to access additional information, either stored locally or accessed from remote systems. The information provided by the Geotags can be static information, such as addresses, or just unique IDs that can be translated to Internet URL addresses that are used by the Device to obtain dynamic information related to changing situations or allow the user to interact with locations to which the Geotag is affixed. The information is then used by blind individuals to navigate movement in their physical environment. The Geotags may further incorporate optional indicia, such as Braille, on the grid surface to aid a blind user.

Abstract: An assistive grid that overlays the touch screen of a device such as a smart phone, tablet computer, or other intelligent device that allows blind or otherwise visually impaired users to easily locate and touch standard locations on the device's touch panel screen. A standardized user interface is presented by applications on the device, or on Internet websites accessed by the device, provides a standardized method of interacting with a multitude of applications and websites by the visually impaired or blind. Gestures that enhance usability of the interface by the blind are provided. Optionally, the assistive grid can incorporate raised indicia, such as Braille, on the grid surface to aid a blind user when learning how to use a given device.

Abstract: A system and method that allows for near field communication between a mobile device and a remote or stationary device that does not include a NFC reader, and in a particular embodiment, for communication between a mobile device and a remote device via a third-party agent or broker in order to provide direct or indirect communication between the mobile and remote devices.

Abstract: A system and method that delays or eliminates the initial funding of cards having a stored or redemptive value. A database or other data storage device stores card identifying information until such time that an actual request for use of the card is made, or until the system otherwise determines that the card has expired. If the system determines that the card has expired prior to a redemption request, the card will not be funded, thereby allowing the merchant to avoid paying financing charges associated with the funding of the card. If the card is still valid, the applicable purchase value from the consumer's transaction will be subtracted from the card's value. In one embodiment, if the amount of the purchase exceeds the redemptive value of the card, the card may be used without having to fund the card. If there is value left on the card after the transaction, the card may be funded and the remaining value stored for future use.