Abstract: The invention is an electronic payment system designed to capture payments from customers in an ecommerce environment, including on-line via a browser, a mobile browser or a mobile application, which can support any card payment method but can also integrate with e Wallets such as Pay Pal and Google checkout, and which enhances security for all parties using two factor two channel authentication and card fragmentation solutions, and which simplifies and enhances the payment process for shoppers and consumers.

Abstract: A method and device are disclosed for navigation. In at least one embodiment, the method enabling a navigation device to output a warning; determining, within the navigation device, whether or not at least one parameter governing output of the warning is met; and outputting the warning upon determining that each at least one parameter governing output of the warning is met. In at least one embodiment, the navigation device includes a processor to enable the navigation device to output a warning and to determine, within the navigation device, whether or not at least one parameter governing output of the warning is met; and an output device to output the warning upon the processor determining that each at least one parameter governing output of the warning is met.