Abstract: A system for receiving a value on, or associated with, a consumer card or cellular telephone in lieu of actually receiving coin change from a particular sale of merchandise or services at a point of sale terminal or cash register. Instead of receiving an odd amount of coin change after a purchase, the read/write device can augment a total value either stored on the card or cellular telephone itself or in an account associated with the card or cellular telephone. A consumer can redeem value up to the amount on the card or cellular telephone at participating stores as if it were a gift card.

Abstract: A system for receiving a value on or associated with a consumer card or cellular telephone in lieu of actually receiving coin change from a particular sale of merchandise or services at a point of sale terminal or cash register. Instead of receiving an odd amount of coin change after a purchase, the read/write device can augment a total value either stored on the card or cellular telephone itself or in an account associated with the card or cellular telephone. A consumer can redeem value up to the amount on the card or cellular telephone at participating stores as if it were a gift card.

Abstract: A system and method for receiving a value on or associated with a consumer card in lieu of actually receiving coin change. In particular embodiments, and RFID device or other card reader/writer device is connected either in place of, or parallel to, an electric coin dispenser on a Point-of-Sale (POS) terminal or cash register. Instead of receiving an odd amount of coin change after a purchase, the RFID device can augment a total value either stored on the card itself or in an account associated with the card. Alternatively a clerk can cause value to be added to a card equal to the amount that would have given as coin change. A consumer can redeem value up to the amount on the value card at participating stores as if it were a gift card. In one embodiment, a customer ID, total value and optionally a password or PIN can be stored on a smartcard usually in encrypted form. Alternatively, the card or telephone can simply present a barcode which relates to an account.

Abstract: A system and method for receiving a value on or associated with a consumer card in lieu of actually receiving coin change. In particular embodiments, and RFID device or other card reader/writer device is connected either in place of, or parallel to, an electric coin dispenser on a Point-of-Sale (POS) terminal or cash register. Instead of receiving an odd amount of coin change after a purchase, the RFID device can augment a total value either stored on the card itself or in an account associated with the card. Alternatively a clerk can cause value to be added to a card equal to the amount that would have given as coin change. A consumer can redeem value up to the amount on the value card at participating stores as if it were a gift card. In one embodiment, a customer ID, total value and optionally a password or PIN can be stored on a smartcard usually in encrypted form. Alternatively, the card or telephone can simply present a barcode which relates to an account.