Abstract: One embodiment of the present invention includes a telephony interface, a network interface and a local area network (LAN). The telephony interface provides connectivity between one or more netphones and an external telephone network such as a PSTN telephone system. The network interface provides connectivity between one or more computers and an external computer network such as the Internet. The local area network provides interconnectivity between the netphone(s), the computer(s), the telephony interface and the network interface. In some embodiments, there may be two or more netphones which can communicate with each other internally via the LAN, in addition to communicating with the external telephone network. Similarly, there may be two or more computers that can also communicate with each other internally via the same LAN, in addition to the external computer network.

Abstract: One embodiment of the present invention includes a telephony interface, a network interface and a local area network (LAN). The telephony interface provides connectivity between one or more netphones and an external telephone network such as a PSTN telephone system. The network interface provides connectivity between one or more computers and an external computer network such as the Internet. The local area network provides interconnectivity between the netphone(s), the computer(s), the telephony interface and the network interface. In some embodiments, there may be two or more netphones which can communicate with each other internally via the LAN, in addition to communicating with the external telephone network. Similarly, there may be two or more computers that can also communicate with each other internally via the same LAN, in addition to the external computer network.

Abstract: One embodiment of the present invention includes a telephony interface, a network interface and a local area network (LAN). The telephony interface provides connectivity between one or more netphones and an external telephone network such as a PSTN telephone system. The network interface provides connectivity between one or more computers and an external computer network such as the Internet. The local area network provides interconnectivity between the netphone(s), the computer(s), the telephony interface and the network interface. In some embodiments, there may be two or more netphones which can communicate with each other internally via the LAN, in addition to communicating with the external telephone network. Similarly, there may be two or more computers that can also communicate with each other internally via the same LAN, in addition to the external computer network.

Abstract: A self-configuring telephone device interconnected by a network to other network telephone devices. The network telephone device is especially adapted to connect to other similar devices on a network, such as a local area network, without the need for a central controller or secondary wiring. A network telephone sends a broadcast over the network with a predetermined number. If there is no other telephone on the network, the network telephone assigns the predetermined number to itself and notifies the network. If there is another telephone on the network, the phone receives a message so indicating and a directory of numbers from which to choose a non-conflicting telephone number. When a non-conflicting number is found, the telephone adopts the number and informs the network. Voice mail and calls between outside lines and a network phone are supported as well.

Abstract: One embodiment of the present invention includes a telephony interface, a network interface and a local area network (LAN). The telephony interface provides connectivity between one or more netphones and an external telephone network such as a PSTN telephone system. The network interface provides connectivity between one or more computers and an external computer network such as the Internet. The local area network provides interconnectivity between the netphone(s), the computer(s), the telephony interface and the network interface. In some embodiments, there may be two or more netphones which can communicate with each other internally via the LAN, in addition to communicating with the external telephone network. Similarly, there may be two or more computers that can also communicate with each other internally via the same LAN, in addition to the external computer network.

Abstract: A self-configuring telephone device interconnected by a network to other network telephone devices. The network telephone device is especially adapted to connect to other similar devices on a network, such as a local area network, without the need for a central controller or secondary wiring. A network telephone sends a broadcast over the network with a predetermined number. If there is no other telephone on the network, the network telephone assigns the predetermined number to itself and notifies the network. If there is another telephone on the network, the phone receives a message so indicating and a directory of numbers from which to choose a non-conflicting telephone number. When a non-conflicting number is found, the telephone adopts the number and informs the network. Voice mail and calls between outside lines and a network phone are supported as well.

Abstract: A universal financial data card for compiling and storing financial transaction records pertaining to a plurality of financial accounts. The financial transaction records are compiled from financial transaction data communicated between the universal financial data card and a card reader. The universal financial data card includes a memory circuit for storing holder data pertaining to a holder of the universal financial data card. The memory circuit further stores account data pertaining to the plurality of financial accounts and the financial transaction records pertaining to the plurality of financial accounts. Further, the universal financial data card includes a processor coupled to the memory circuit. There is also provided a data exchange circuit coupled to the processor.

Abstract: A universal financial data card for compiling and storing financial transaction records pertaining to a plurality of financial accounts. The financial transaction records are compiled from financial transaction data communicated between the universal financial data card and a card reader. The universal financial data card includes a memory circuit for storing holder data pertaining to a holder of the universal financial data card. The memory circuit further stores account data pertaining to the plurality of financial accounts and the financial transaction records pertaining to the plurality of financial accounts. Further, the universal financial data card includes a processor coupled to the memory circuit. There is also provided a data exchange circuit coupled to the processor.