Abstract: Apparatus and methods for creation of multiple configurable payment mechanisms within a single pre-funded electronic payment device are provided herein. An example payment device includes a body portion, a memory associated with the body portion and containing a first stored value application having a first application balance and a second stored value application having a second application balance, and a processor associated with the body portion and coupled to the memory. The processor can perform a load transaction in an amount equal to the first application balance, and restrict any payment transaction carried out via the first stored value application to a payment transaction wherein the recipient consists of user-selected entities. The processor can also perform a load transaction in an amount equal to the second application balance, and preclude performance of payment transactions prior to depletion of the first application balance.

Abstract: Apparatus and methods for creation of multiple configurable payment mechanisms within a single pre-funded electronic payment device are provided herein. An example payment device includes a body portion, a memory associated with the body portion and containing a first stored value application having a first application balance and a second stored value application having a second application balance, and a processor associated with the body portion and coupled to the memory. The processor can perform a load transaction in an amount equal to the first application balance, and restrict any payment transaction carried out via the first stored value application to a payment transaction wherein the recipient consists of user-selected entities. The processor can also perform a load transaction in an amount equal to the second application balance, and preclude performance of payment transactions prior to depletion of the first application balance.

Abstract: Apparatus and methods for creation of multiple configurable payment mechanisms within a single pre-funded electronic payment device are provided herein. An example payment device includes a body portion, a memory associated with the body portion and containing a first stored value application having a first application balance and a second stored value application having a second application balance, and a processor associated with the body portion and coupled to the memory. The processor can perform a load transaction in an amount equal to the first application balance, and restrict any payment transaction carried out via the first stored value application to a payment transaction wherein the recipient consists of user-selected entities. The processor can also perform a load transaction in an amount equal to the second application balance, and preclude performance of payment transactions prior to depletion of the first application balance.

Abstract: Systems and methods for binning spatially relevant data and corresponding geographical location information are disclosed. In a preferred embodiment, the system comprises at least one transmission device operable to transmit spatially relevant data and corresponding location information for the data to a server. Preferably, an instruction set is executable by a processor-based device (e.g., the transmission device or the server) for generating a single spatial index value for the location information. Accordingly, the spatially relevant data may be indexed using its corresponding spatial index value.