TITLE: DATA TRANSFER METHOD AND APPARATUS

BRIEF DESCRIPTION OF THE INVENTION/S

One broad aspect of the inventiøn/s is what can be described as a Point Of Sale or Point Of Transaction Interface. This can be broken, to some extent, into the following two main parts, hdwever the following methods, apparatus, systems and devices described may not necessarily be restricted to their use or application described.

Firstly there is what is described as the Wad™ or Wallet Wafer™, and Wad enabled devices such as cell phones.

Wad™ or Wallet Wafer™ enabled devices can be described with the following points:

• A Wad™ or Wallet Wafer™ is described as a thin portable cell phone capable device with MP3 memory storage capability or MP3 type storage capability for audio & video, which may include the use of compression method derivatives such as JPEG and/or MPEG combinations such as M-JPEG or MPEG 4 to achieve the result.

• A Wad™ enabled device is described as a portable cellular device mat is capable of docking by data link connector or other apparatus with a Wad™ docking station for data transmission/s such as POS transactions and the transfer of video and audio files.

• A Wad™ or Wallet Wafer™ and Wad™ enabled devices are described as an embodiment of the invention, as possessing a small drive for insertion of memory apparatus.

• A Wad™ enabled device is also one that is described in one embodiment of the invention as registered with the Wad™ business Suite Arrangement™, which is a B2B and B2C facilitation network described in the inventors notes for providing accounting, marketing and promotional services in conjunction with businesses advertising needs, consumer purchase histories, as well as consumer and business accounting services.

• A Wad™ enabled device is described in an embodiment as possessing transaction data allocation and filing according to the accounting needs of the Wad™ enabled device user. One aspect of this is the internal (within the memory of the Wad™) storage of the receipt of transactions, thus having an itemized list of all electronic transactions rather than a bunch of receipts lying around the house.

This receipt and accounting data can be loaded to a P C. or Laptop from a Wad™ for secondary storage, account keeping purposes and to clear memory space within a Wad enabled device.

• Numerous variations of Wad™ docking for data/upload are described within the detailed descriptions of embodiments of the invention. Anything from intermediary data transfer devices and variations of configurations for docking.

Secondly there is the docking station described as the Wad dock™. It has descriptions that include:

• A docking device that stores compressed electronic data files "like an MP3".

• A docking device that receives a telephony capable portable device for download/upload of electronic data.

• A docking device that utilizes biometric authentication - the example given in the invention notes is the use of electronic thumbprint identification for users of a Wad dock™

• A docking device acting like a telephone dock/stand for portable home phones and cellular phones that provides charging or re-charging capabilities simultaneously or separately from data download/upload to a telephonic device's drive apparatus.

• A docking device that provides reliability in the ability to provide EFT and/or marketing materials quickly without the risk of batteries running out or even with them already run out, as opposed to no service or slower/partial service due to low battery power.

• A docking device that cuts down on electro-magnetic waves in confined spaces. With isolation of wave source being provided.

• A docking device that once connected to a POS retail stock take computer system provides facilitation capability for POS transaction between portable telephonic device and retail system.

• A docking device which can communicate to banking networks through either the retail POS system, or the telephonic device and its connection to banking or credit networks, or both simultaneously.

• A docking device that can be incorporated into ATM machines or used at the counter at a bank for monetary transactions.

• A docking device that can be used at home for Point of transaction purchases over the Internet or Television, or an Internet television hybrid.

• A docking device that can be attached to a portable laptop computer or P.C. through plug- and-play facilitation. Thus the ability is created to facilitate upload/download from or to P.C. or Laptop between the Wad dock™ with or without a Wad™ enabled device in place on the Wad dock™

• A docking device that is molded to fit different size and shape portable telephonic devices. Multi-doc.

• A docking device that has a memory transfer protrusion that is used as a data link connection to a compatible drive device located within portable telephonic devices.

• Docking devices that have the capability to pool and share their memory for better memory storage capacity.

• A docking device used as a POS keypad.

• A docking device used as a security device in general or at POS.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

The main aspect of one of the embodiments of the invention is a portable display unit for transactions, advertising, service provider deal providing, that is carried from place to place with the owners/consumers identification credentials and accesses point of sale (actual (not virtual) selling locations) apparatus at a plurality of transaction locations, such as stores, banks and vending machines.

The device can be thin like a wafer or thick like a wallet. For example a device with all of the features of a palm pilot including telephony and audio capabilities that is pocket sized and carried from place to place for digital transactions and tabulating credits, deals, discounts, and monetary accumulations and withdrawals from product/service provider to product/service provider.

It is a matter of having a unit that is connected to networks for transactions, through wireless, and/or physical connection for point of sale transaction.

One arrangement is a pocket sized computerised electronic device, connected to a computer database that tabulates usage and accumulation of value from point to point, with an electronic computerized connection from transaction point to transaction point, such that the transaction apparatus that facilitates the network receives identification details of the user and/or device holder and the transaction apparatus that facilitates the network would receive the transaction request and the amount of value available for the user for transacting.

The transaction apparatus that receives the approval verification information from the facilitation network loads information into the users download/upload pocket sized device,

such as any transaction details, advertising, promotions, credits for the users electronic computerized portable point of sale currency unit/ device.

Identification by the currency unit/wallet or thumbprint signature can be suitably analyzed upon input to the transaction apparatus whether keyed input or direct contact input such as is used with a pressure point pen on available electronic palm pad technologies.

So utilizing the currently available concept of eftpos (electronic funds transfer point of sale devices) and invention/s described it is possible to have a pocket sized computerized device that is carried from service/product supplier to service /product supplier for download /upload of data (digital or anagologous) to be connected to a network enabled for providing transaction and visual data for transaction details and values accrued or withdrawn from said device for value providing and/or advertising of the service/product provider in conjunction with a point of sale hardware and computer network to facilitate that process.

The portable transaction device may be assigned to a consumer or group of consumers to travel between service/product suppliers (not the other way around). Any individual programs of service/product suppliers could be added to the facilitation network as available individual features. This wallet type device which could be more accurately described as a personal banking or transaction machine can also provide imagery according to usage and purpose.

One arrangement where imagery is supplied to the portable device at the point of transaction can be when identified transactions occur and are logged by the supplying network and hardware, and is then loaded to the portable transaction device for display. This display can be numeric (for values) and/or advertising. This display can involve programmed allotted times for advertisement of service/product participants and point of sale advertisements. This would also allow for an organized program for specific advertisement assignment by service/product suppliers participating with the data supplying network. For a consumer or user it would be like carrying a pocket sized rectangle 4 to 5inch by 4 to 5 inch and a quarter to half inch thick that acts like an MP3(like the iPod) for display and financial data on itself. This could include the use of MPEG type compression method derivatives such as MJPEG or MPEG4. A good name for it might be the i Wad™.

One iWad™ enablement arrangement can involve having access functions for the holder/owner as well as menus, scrolling, icons etc... for accessing data on request. This can be done with pen and touch screen or voice command or inserting the or attaching the iWad™ to separate computerized unit for keyboarded and/or program download, or even a wireless access from a cell phone or PC. For the purposes of usage, how the consumer accesses available functions on the iWad™ is not really too important what is important is that the functions are available. These functions of course would be within the parameters of the agreement for ownership and/or usage of the iWad™.

An altermative size for the iWad™ could be two inch by three inch display by half inch thick. The iWad™ can have an arrangement where it records and stores any sales tax such as GST paid. This would be provided and calculated by the service/product supplier network and point of sale devices that would load the information to the iWad™. This would be good for tax time. The iWad could also be programmed to separate consumer and business purchases for tax purposes or could have a menu for assigning those purchases to the appropriate account.

The iWad™, for the purposes of description could also be called theWad™, or eWad™. I think the Wad™ might be best. Given the description of the Wad™ one embodiment of it can involve a service provision network. One provision arrangement could be a suite arrangement for consumer and service/product supplier.

This Suite Arrangement™ would include a B2B facilitation network for financial service providers such as banks and credit companies, retailers, marketing/advertising companies, rewards programs, and other interested parties wanting to interact to provide visual and data output for Wad™ owners and/holders.

For the Consumer the Suite Arrangement™ would be that they could have one thin device to take with them (it could have slots or pouches for bills, coins, or cards.) that houses all of their rewards program data, debit and credit data, purchase incentive data such as available discounts or free items and the like, plus service provider information updates (in the form of

advertisements most likely), and they could take it anywhere to any participating retailer for manual update/download/upload or wireless of the same.

Carrying the Wad™ from place to place may necessitate protective housing for wear and tear. One arrangement for the Wad™ would be that a leather wallet would exist that would house the Wad™ on one side of it, and the other side would house cards or change or both, and there would be a slot running behind the Wad™ and the card/change slots/pockets for bill insertion. Just like a regular wallet, except that one half of it (on full fold) would be for housing the Wad™. Of course this could come in leather or any other type of material like metal or polymer, etc....

So as described upon walking in to a service/product suppliers establishment the Wad™ could have a presentation factor or an interaction factor. With the facilitation of up and down scroll keys, a menu key and an enter key, a holder/user could scroll to find a 10% discount for presentation to a retailer which may expire on a given date, or a pass to a nightclub or venue, or it could be slipped out of its wallet encasing to engage in an eftpos (electronic funds transfer at point of sale) transaction with an eftpos device and network manually/physically or even remain in its wallet encasing for a wireless eftpos transaction. If a signature were required it could be done on the face of the Wad™ with a special touchscreen imprint pen or something of the like to verify user identification, or a thumbprint, or voiceprint, or retina print etc....

The menu could contain promotions, balances, rewards, points, credits or any other information including advertising. An electronic display - wallet and filing cabinet for the consumer.

The Wad™ could serve as an instant interaction receiver of financial or advertising details such as a smart currency/card or any other standard existing card or other type of point of sale promo/value vehicle. Basically meaning that upon use of any promotional card linked to the Wad™ but not utilized by the Wad™ in actual transaction, would have the option/capability to upload transaction and/or promo details to the Wad™ web, for display access to an individual users Wad™ pad menu.

So you could take any card out of your wallet, do your transaction and then the appropriate applied details could then be added to your Wad™(either simultaneously or time delayed). Another set of descriptive words for the product could be Wad Pad™ .

Another arrangement can be where the Wad™ is compatible with cards such as debit and credit cards, or smart cards, wherein the Wad™, could have a reader for smart cards or swipe slots for magnetic strip ID and account cards, such that if a person wanted to transact with another person the Wad™ could be a portable unit to facilitate such a transaction.

It is also possible for a memory stick or smart card, or some other detachable memory unit that when detached is used for transacting with the Point of Sale apparatus and is able to receive a download of any compressed video or audio files and then when reattached or inserted into the Wad™ may be accessed for upload.

Technical and communications arrangements for the Wad™ device can include telephony capability, camera capability, and of course security features such as PIN codes.

Having the capability to receive software upgrades at any given time would make it possible for the Wad™ to have full accounting software backup available or applied for the unit itself, as well as provided from a computer network source such as a VPN (Virtual Private Network) or LAN or any other type of computer network.

An interoperability arrangement between Wad™'s to facilitate transactions between individuals or groups of people can include the capability of wireless funds transfer, or a person could shift a coupon or discount or value of some type to another person or persons Wad™ or Wad's™ if they so chose. This could facilitate long distance private transactions between individuals or between individuals and groups or between groups and groups. Another mode of private funds or value or visual image data transfer from one Wad™ to another could be achieved when one Wad is directly connected to another, either by a cable and cable ports or they might have the capability to snap directly together to form an electronic link.

The display screen of the Wad™ could be plasma, Ol ed, LCD, or any type in existence or not presently in existence. It's battery source could be standard to what is currently in existence or not yet in existence.

The Wad™ or concept of the Wad™ could be incorporated into a wallet, a purse, or even stand alone. The very material of a wallet or purse could be synthetic and electronic and aid in the facilitation and usage of the Wad™. The carrying material could also aid the device in its operations. Standing alone the Wad™ could just be inserted into the pocket or handbag for usage. Another factor could be that a handbag could hold a recharging and/or download port/dock for a Wad™. Another name that could be used is the Transactor™.

One Software arrangement for the Wad is an accounting software feature for the Wad™ that calculates and separates all of a consumers transactions into his/her preferred categories, for either business or personal. The point of sale software may also do any required accounting functions.

Another good name for the Wad™ is the Wallet Wafer™ or even the Purse Wafer™. But standing on its own a wallet sized transaction/media unit could simply be called the Wafer™. A Wafer™ may more accurately describe a Wad™ reduced to a card and/or a thin sheet of film that could slide or be inserted into a wallet or some other personal effects and currency carriage apparatus such as a purse or handbag.

All of the point of sale features described for the Wad™, some of which include the same or similar capabilities as the iPod and MP3 to store compressed files for image and sound for promotional purposes received from retailers at the point of sale and the other features described such as account keeping of various reward programs, debit and credit accounts, barter exchange credits etc... can also be incorporated into the apparatus of a cell phone.

With a cell phone equipped/enabled with Wad™ capabilities it would be possible to pull out the cell phone at a retail outlet for a point of sale debit or credit transaction, and receive a download of advertising and promotional material for discounts, free products, and incentive points and/or programs for filing and/or deletion by the consumer/ Wad™ capable cell phone carrier.

This could be facilitated through a wireless transfer at the point of sale to which a memory unit in the phone stores financial and promotional data, or the phone may be built or have an added on feature to make it Wad™ capable. Such as a Wad™ attachment for the phone in the form of an MP3/iPod memory unit that stores the necessary data, or this Wad™ capability could be built into the phone. This attachment or the phone itself could be constructed such that the point of sale transaction is not wireless but the Wad™ hardware and apparatus could be attached to a port/dock/download/upload device at the point of sale.

The Wad™ described previously as the Wafer™ could also have a contact insert for a telephone headset for telephone conversation or voice command to the Wad™.

The Wad™ could also have the feature of being able to facilitate online betting and gambling, receiving financial, and promotional data for storage.

Online purchases could also be utilized for Wad™ features, in that the Wad™ would store financial data and promotional data as previously described for the user, and menu capabilities for arranging, filing, and deleting that data as the user sees fit.

So like an iPod, the iWad would act as a Personal portable promotional and financial data storage powerhouse and access unit for the download of said data from computer/telephone networks.

When interacting with Point of Sale apparatus, a Wad™ or Wafer™ could be operated in a variety of manners. One manner is the classical manner wherein the retailer scans in the item/s for sale to which their description, price, and associated stock code show up on the retailers 'check out' computer system that records sales and inventory adjustments.

Another embodiment is one where the customer would be saying I will pay by Wad™ (or Wafer)™. The customer could then be given a point of sale apparatus that operates as a wireless unit through a computer network or has a physical "plug" that fits into the back of the computer that records and facilitates transactions whether it be incorporated into the

retail/purchase/scan computer and/or system or is a separate computer with transaction network.

Upon being presented the point of sale apparatus several things can happen. The Wad™ (or Wafer™) holder could select on the menu of the Wad™ the appropriate account that it would like to access for purchase prior to inserting or standing the Wad™ in a download/upload receptacle, or there could be a Menu on the point of sale apparatus much like current models that gives the options for account selection and the POS apparatus upon receiving the instructions then interacts appropriately with the Wad™ to draw funds from an account stored within the Wad™/Wad™ network, or simply update the Wad™'s bank or credit account details stored on the Wad™/Wad network.

Another means of interaction is that the Wad™ acts as the POS apparatus, such that after the retail item/s are scanned in to the retail computer system the retail check out person could give the Wad™ user the "nod" then the Wad™ user could access a menu that would include a directory of Wad™ enabled retail outlets, select the retailer to which he/she is located at, put in the purchase amount and/or purchase code that the check out person gives him/her and press enter to perform a wireless POS transaction interacting with the retail computer system, the Wad™ and the relevant account to which the Wad™ is accessing for the transaction.

The feature described in the previous paragraph could also be used for internet purchases as an added feature for the Wad™ but that would be in addition to the Wad™ interacting with the checkout personnel and/or apparatus/POS apparatus that is a part of a POS network and apparatus.

In interacting with the checkout personnel and/or apparatus/POS apparatus there would be no need for paper receipts as the Wad™ could have as a feature, files within its software that stores, itemizes, and separates receipts, purchases, purchase types and times etc....

The Wad™ network having an advertising and promotions side to it could monitor Wad™ user transactions and decide on the parameters for promotional download to the Wad™ based on the use of cookies or robots, so that promotional material could be tailor made for certain consumer groups or purchase habit groups.

This would work well when a person purchasing beer receives a two for one pizza credit on his/her Wad™, and the person purchasing the pizza gets a 10% discount credit or a time lapsing 10% discount image file (for retrieval from menu for display until it expires) for display at a local liquor outlet or chain.

The Wad™ may interact with separate banking or credit networks, or it may have it's own banking or credit network such that when the Wad™ is taken to the bank a Wad™ holder could ask the teller or ATM to deposit an approved amount into the Wad™. The Wad™ would then act as a free floating currency/account. (With wireless features this could be done from a remote location to the financial institution)

So if a person wanted to have $200.00 dollars on their Wad™, it would be possible for them to use the currency value available to purchase things at retail outlets or transfer money between friends for any given reason. Alternatively or as well as this, the Wad™ could access or be linked to a Wad™ holders bank accounts, credit accounts, mortgage accounts, rewards programs etc...

There may be certain benefits to this in that if a person were budgeting and knew that a certain amount would be directly debited from their account at the end of each month they would also know that they would only have a certain portion above that amount to which they could draw spare cash. A person may wish to have all or some of that spare portion deposited to their Wad™ to act as cash. There would be some security in this in that walking the streets of a big city a person may have $30.00 cash in their wallet but $200.00 cash on their Wad™ so that if they were mugged and their wallet was stolen the robber would get $30.00 only, as the Wad™ could only be accessed through user security features such as thumb print impression on touchscreen or infrared readout pad, PIN, etc.... The victim would then report a stolen Wad™ and would be issued a new one to which the Wad™ issuing company would possibly add it to an insurance claim.

The software available or made for the Wad™ would be able to store and separate data by user choice and/or program parameters. To access the Wad™ software there could be the option of user password or PIN, or thumbprint or any other security identifier. This option

could be optional or mandatory for the Wad™ user depending on the what is desired by the Wad™ supplier/s. Further PIN's or security identifiers could or would be required for each separate account linked to the Wad™ or a part of the Wad™/internal account (as described previously).

Once access is gained to the Wad™ menu the program could operate in a similar manner to a windows type program wherein the menu for the software operating the Wad™, and its function/s, could be pulled up to display a list of user access point options(these could include icons) that branch off into further options and so on and so on.

An example could include a files access option/icon on the main menu, which when accessed brings up a transactions file, POS directory file, an accounts fileφersonal bank accounts, credit accounts, mortgage accounts etc... ), a discounts file, a retail credits file, a rewards programs file, an electronic coupons file, accessories file (this would probably fall under programs on the main menu), a GST file, an itemization file, etc.... Under programs on the main menu there could be an accounting software program, accessories, etc

Each selection then branching off to a to another set of options until the end of a prospective branch is reached.

One arrangement for commercialization would be developing hardware for a Wad™ POS network that can be easily added on to existing POS hardware systems and ATM's. One way this could be done is with a driver that can be attached to POS hand key pads or slotted as an additional feature for ATM's.

One way to facilitate Wad™ and ATM interface could be cutting an entry point for a driver that links to the banks/transaction networks apparatus and network. Another way to facilitate Wad™ and ATM interface may include designing a new face plate for said ATM's that allows for a new driver/port/dock/recepticle for Wad™ insertion or standing for download/upload. This could also include a new tower/computer arrangement with complimentary network linkage that would fit within the ATM to facilitate inter network operability.

With regard to the POS keypad, a small clip on or latch on apparatus could be made to attach to the POS key pad that receives a Wad™ for electronic data transfer, this unit could be electronically linked to the key pad itself (a type of splicing), or could have a separate cord that could be wound together with or alongside the POS key pad cord (not required for a wireless POS keypad arrangement) then leading to additional Wad™ computer hardware that links with the existing POS hardware and network and performs interoperable functions such as financial data exchange and separate functions such as image data file uploads to the Wad™, compressed or otherwise.

One term for the driver/port/dock/recepticle for Wad™ insertion or standing for download/upload at POS or ATM is a Data link connector (physical) which may also be used as a means of providing a firewall for such things as the prevention transmission jacking/hacking.

The invention could include the use of spam filtering software applications. That is a coded grouping of computer language commands that would eliminate, or filter advertisements downloaded at the point of sale. This option could be available but may or may not be attractive to participating retailers and advertisers. So in adding this element to the invention it is a form of having the poison and the remedy. If demand for it became high it could be sold at a premium but not to disadvantage participating venture parties.

As mentioned earlier the invention can include a dock or data link connection mount that makes it possible for loading information at the point of sale. It is possible for the docking station to be enabled with MP3 capability or connected to a computer "tower" that has an MP3 in it. The Wad may also possess MP3 capability, then the data would be an MP3 to MP3 data exchange.

Also existing cell phone/s would need to be manufactured or retrofitted with the capability for docking or mounting for upload/download of compressed files to a cell phone docking/mounting data link connection.

Further to this cell phones with this new capability could be used in a purchasing capacity at least, at point of purchase, which means mere could be a docking/mounting data link

connection for the home computer or laptop that enable Wad/s or Wad enabled cell phones to receive compressed files at home or on the move with a Laptop.

A small piece of technology would need to be designed and manufactured, that when built into or added to a cell phone, enables data exchange when mounted/docked and plugged/connected to the mounting/docking station. This small piece of technology would have all of the necessary connection points and grooves located on or in the Wad or Cell phone or palm pilot to jack into the computer system apparatus.

The data exchange between dock/mount/driver and Wad or Wad enabled device could occur such that the dock/mount/driver/data link conector has a protrusion that inserts into the Wad or Wad enabled device, and that the piece that accepts the protrusion insertion would be the required piece for Wad enabling. Such that when mounting or docking took place the Wad or Wad enabled device slips overtop of a memory stick like protrusion in the mounting or docking device for data exchange. A female to male sort of arrangement.

The piece that is built into a Wad or Wad enabled device that accepts the data flow from the memory stick shaped protrusion on the dock/mount/driver/data link connector would be a data link connection device in itself with the electronic capabilities to transfer electronic data to the memory device or MP3 type arrangement of a memory storage device of the Wad or Wad enabled device.

So given the previous descriptions with regards to the data exchange between dock/mount/driver and Wad or Wad enabled device that could occur such that the dock/mount/driver/data link conector has a protrusion that inserts into the Wad or Wad enabled device, and that the piece that accepts the protrusion insertion would be the required piece for Wad enabling, or other arrangements that would accomplish the same thing for an advertising and upselling arrangement, or offering an accounting apparatus for purchases and transactions, or just the arrangement of facilitating purchases with descriptions of technology apparatus.

In fact the mobile or any location no matter what the business or transaction factor that is available in its broadest form allows for a Point Of Transaction arrangement anywhere.

Whether it be at the bank, at the Pub, flying on an airplane with ones laptop, in ones home office or, in the office away from ones home at the place of employment, or even at ones home. No matter where there are transactions to be made. No matter where transactions are to be made there are advertising and marketing attachments to be attributed to the transaction. These things can be done with or without marketing tactics such as cookies and bots.

Previously described drive arrangements for transactions may also be included in the broadest sense for transactions with transfer of compressed file audio and video data files with data storage units that house and can unzip/decompress files and further communicate with the image spaces attached to portable telephonic devices.

These drive arrangements may include physical attachment drive upload/download situations. With regards to wireless arrangements, the reality of the environment will supercede the ability to transact in this way only when obstacles are in the path of an attempt to do business or some other type of transaction.

With regards to the accounting aspect of the invention described, and given the multiplicity of points of transaction available, could include transaction accounting service or software availability for consumers on any level or at any location, whether at the shop, or at the home, on the move, or at the office away from home or at home, so virtually anywhere.

As the MP3 type telephonic device described, and its functions described would make it a device that were in fact containing a drive or driver or may even contain a disk drive within its mechanisms, taking information and assembling it for its storage and further assemblage of information devices/computer hardware/chips.

When inputing a number to an equation and asking for the number at the end of the equation to be returned it is useful in certain operations such as transactions and secure transactions. Such that if a person were to enter a transaction digit whether it be for security, transaction, marketing or any other purpose at point of transaction, it would enter into an equation to reach the other end of the transaction, and thus meeting the parameters of the equation it would be accepted.

However not meeting these parameters it would be rejected. This rejection could mean a number of things including security breach, governmental regulatory override, and incorrect data assemblage.

The mathematical arrangement described is useful when applied or incorporated into embodiments of the invention and its operation such as methods and apparatus described for point of sale transactions, with regards to the fact that their computational capacity and operational capacity is on a mathematical level and at the very least includes send and receive equations and parameters for operations. Furthermore this could include send and receive mathematical confirmation of correctness of equation operations, that may or may not confirm operations.

This mathematical arrangement could include computations between computer devices and networks. Also derivations of this may include receiving back variations of the input number which could be for operational purposes or could indicate a number of different factors for the computer program such as operational requests and the like, or breaches in protocol.

With regards to the driver system mentioned previously for Wad and/or Wad enabled devices, the perching or placing the Wad and/or Wad enabled device over a memory stick protrusion could include the docking/mount device having a built in key pad, so that when the Wad and/or Wad enabled device is mounted it becomes one with the keypad and POS device.

Transaction security can be further facilitated with the thumbprint security features mentioned previously. An arrangement could exist where a consumer could access their Wad and/or Wad enabled device and/or relevant account/transactor/bank website with a thumbprint on the Wad and/or Wad enabled device then place it on the docking station over a memory stick protrusion that could have a buckle type locking effect holding in place until transaction completion, or if the device needed to be removed prior to transaction.

Once upon the docking station there could be a further thumbprint on the keypad of the docking station for match verification. The consumer could be required to do a further input of PIN, but if the device is without keypad it may only require thumbprint match verification, or there could be an optional device for people without thumbs or fingers.

Once the docking station verifies device user-access authenticity a transaction may commence.

The docking station itself could be molded to fit the shape of all popular hand held telephonic devices on the market place with a variety of different cubby shapes within the one dock stand that would accommodate the placing of every different size or shaped device over a memory insert device protrusion. This molding could be adapted with the cooperation and expectation of Wad device affiliates for their upcoming release of devices and the shapes that would be needed to fit the transaction port/dock. One arrangement could involve a palm Pilot narrow in depth, but wide for screen, that would have a cubby to fit it. On the same token a current model cell phone may be thicker in depth, but smaller over all and therefore it may fit within the Palm Pilot cubby, and there could be a further depth impression within the Palm Pilot cubby to accept the cell phone (because it is thicker), so that it may fit over a memory insert protrusion. This type of babushka arrangement could be done to accommodate a plurality of shapes and sizes on the market for Wad transaction dock pads.

A memory device protrusion could be protected from the elements with a type of retractable plastic sheath, where, when placing a device like a Wad enabled device over top of the sheath and pressing down upon it with the insertion point over the spot where the memory protrusion circuitry/data link part will remain rigid and the sheath retracts. Upon removing the Wad enabled device the sheath moves back over the memory type protrusion to protect it from environmental elements.

Wad transactions can also be facilitated for home shopping, on the couch at the TV, on the coffee table. A Wad transaction port could be built into an armchair armrest for easy access, complete with high speed internet cable port for fast data upload/download for things such as transactions and upload/download of audio and video data, or even game data such as gambling data to enable gambling interaction.

With regards to the plug aspect of the Wad enabled device and the docking station mentioned previously, it is possible to have the plugging in arrangement for data transfer in reverse to what was described.

An arrangement could exist where the portable Wad or Wad enabled device has a button on the side of it, that when pressed releases a memory stick that could be a part of the memory or MP3 capability or data processing capability linked to the memory capability. Much like the action of a spring loaded straight blade switch blade, the button could be pressed such that a memory stick protrusion is released from a Wad enabled cell phone either before or after the cell is mounted or placed in the appropriate alcove. This memory stick protrusion may then enter the docking station's internal drive apparatus (like a disk drive), that would perform the necessary data exchange such as Random Access or Read Only or Data Writing or Data Rewriting to the Wad or Wad enabled device. In this situation the male to female arrangement is one where the Wad enabled device is male and the docking station is female.

For both male to female or female to male arrangements the memory stick pieces that slot for data transfer could be replaceable in case of damage. They could act as a sheath to an electronic under-part that is more delicate to the environment with regards to the amount of exposed circuitry, micro-circuitry, and microchips. This sheath can also be a replaceable item that protects the of memory stick electronics such as any connection points that would act as a relay for the guts of the memory stick to the drive apparatus into which it is being inserted. These contact points may be metallic for electronic data transfer purposes and could exist anywhere on the memory stick surface like its edges.

One example of the above mentioned data transfer arrangement is provided when a female Wad is placed on a male docking station and funds transfer request data is sent to the electronics of the male docking station and to the electronics inside the tip of the memory stick protrusion. Data is then sent to the connection points of the outer shell of the memory stick which in turn, passes the data electronically to the receiving connection points within the drive of the Wad enabled device, which then deciphers the electronic data sent. It could be described as Drive-to-Drive data transfer. However it could be more narrowly described as Mdrive-to-Fdrive, or Fdrive-to-Mdrive.

Put broadly, the embodiments describe arrangements where a Wad enabled device is plugged into or plugs into a data transfer device at the point of transaction. This can be facilitated with means that may or may not currently exist for plug and play data transfer.

Whether male or female the data transfer connection at point of transaction could be a simple ribbon plug attachment from a retail computer terminal to the corresponding receiving end of a Wad or Wad enabled device, much like the devices like printer and monitor that plug into the back of a PC the same arrangement could exist for a POS or POT (Point Of Transaction) docking station. This arrangement can serve the same purpose for transactions.

Another plug and data transfer arrangement for a Wad or Wad enabled device could be one where a cable connection point in a female Wad or Wad enabled device, for connecting directly to a broadband internet cable. There could of course be intermediary connection go- betweens to facilitate smoother connection (in time, and fidgeting) between the cable and the female Wad device, such as a docking port, or some other intermediary piece of plastic and electronics that allows smooth, secure, rapid connection and disconnection.

One arrangement for this could be a little snap-lock plastic intermediary that remains connected to the cable and the part that connects to the female Wad portable has a sliding retractable annulus when pressed against the base of the cable connection point at the base (or wherever the connection point is) of the female portable and retracts to expose a secondary cable needle to slide into the female portable. At this point a handgrip on the female portable and the plastic connector piece could be snaplocked or there could be a simple twist to lock things in place.

The go-between plastic piece would receive the cable needle at one end, and have its own cable needle at the other end, or the cable could be stripped back and the cable needle could be guided through the other end of the plastic (or whatever type of material) connector, this of course being like the current arrangement for male cable connectors but with the added addition of fast and durable connection to the female Wad Portable.

It is also possible for a connection point on a female Wad enabled device to be a phone jack for phone line insertion/plug in.

So these are other examples of direct line plug for data transfer Wad arrangements.

With regards to the docking or dock and mount station with or without keypad accessories, it is possible for it to be able to communicate with the retail PC computer tower by wireless means. It could be secured to the counter top for docking with antenna to communicate wirelessly. It is also possible for the wireless docking station to communicate directly to the computer networks mentioned previously, as well, and/or networks independent of the retail PC POS system.

Another possible arrangement is where a docking station uses or works in conjunction with a router. This could be done so that a router was between any Point of sale or transaction equipment and the docking station to prevent any harm coming from a customer's cellular device or the Wad facilitation network. Alternatively it could prevent harm coming from the POS equipment or Wad facilitation network for the customers cell.

One example of this could be a docking station with built in router capabilities. This would be beneficial for secure data transmissions for a portable cellular device. A docking station of this type may be wireless for communications to appropriate network points or may have a physical data cable link to hardware that is a part of a communications network.

A docking station of this type would be useful in communications with the computer networks described previously, as well, and/or networks independent of the retail PC POS system. Being used at the point of sale with the suite arrangement described previously a docking station with a router and data streaming capability to/from a cellular device would be able to facilitate data transfer to or from that cellular device between different networks simultaneously which would provide fast secure communications transactions and data streaming for a transaction.

It is also possible to have a router docking station with keyed data communications capability such as a keyboard or keypad.

With regards to the dock and mount station/s described throughout the document for Wad and Wad enabled devices, their usages in conjunction with Wad enabled cell phones can vary. If a Wad docking station were situated in the home at the PC, on the coffee table or in the armrest of a chair with hands free capability so that a person could be talking to someone at

the same time as receiving a download of audio or video zip or MPEG or JPEG files using the docking station as a source of power (as it would be plug into an electricity outlet, which would facilitate faster download while not draining the phones portable battery attachment, plus giving viewing capability to the download on the cells view screen while engaging in simultaneous conversation. This may be done by having the two functions on separate electronic circuit paths and/or enabling hands free capability with a separate phone number subscription to facilitate download from one number and conversation with the other.

These could be files sent between friends and/or businesses.

One arrangement for the plug and port options for POS is an electronic male to female or female to male plug and play built into a Wad docking station. An embodiment of this may involve placing a female or male Wad enabled device into the cradle/alcove to receive or plug in when positioned into its spot. The Wad docking station in any of these embodiments may carry out the combined functions of providing download/upload capability and energy transfer and stabilization for the Wad enabled portable device. In the broadest sense this would be for data files of any type, and these files themselves could have any usage or purpose for the end user whether for commercial purposes, or popular entertainment purposes.

Another arrangement for Wad portable and Wad dock™ download/upload facilitation is one wherein both the Wad portable and the Wad dock™ are both female and as an accessory to the Wad portable there could be sold a two way memory stick device that could be inserted into the docking device and after which the Wad portable could mount the dual- stick device for data transfer, or alternatively the dual- Wad-stick could first be inserted into the Wad portable and then the Wad portable complete with freshly inserted dual- Wad-stick would insert into the Wad dock device.

There are a wide array of arrangements that can be done to facilitate docking. For example there could be a female intermediary between a male Wad dock and a Wad enabled portable device. It could be shaped such that it receives both the male from the portable and the Wad dock insertions or plug ins for the transfer of energy and data.

Another arrangement is possible where these intermediary pieces are stacked or inter locked to form multiplicities of endless interlocking intermediaries between Wad dock™ and a Wad enable portable device. The possible arrangements of stacking male to female, male to male, female to female can be done in any combination from the singular through to infinite.

It is also possible for a multiplicity of attached male intermediary energy and/or data devices, an example of which may be a thin memory stick arrangement where it is strung out like a data line sausage. Any shape or arrangement can be made possible for an intermediary energy and/or data memory transfer accessory. It can be made into any shape. It could be completely round, it could be cylindrical like a pencil with its surface any shape from annular to polygonal. It could be a complete square or triangle.

It is also possible for the docking station itself to take on any shape to facilitate a male to female, or male to male, or female to female connection for data transfer to a corresponding device that is docking. This can be done in any combination from the singular through to infinite. For example it could be arranged such that the Wad dock is a pyramid and the female Wad enabled device accepts the pointy end of the pyramid, or vice versa male pyramidical protrusion to sink into an indented pyramidical dock point on the Wad dock™. The male insertion protrusion or female acceptance point could be any shape or arrangement of shapes. Some examples include cylinders, ovular protrusions, buckling or locking protrusions and insertion points, plug in tip shaped protrusions and insertion points etc... etc.... etc....

It is possible for the docking stations described in this document to have an arrangement where they communicate and act as their own network.

A hardware data transfer network of this type may use any combination or type of network arrangement like a LAN, a WAN, right through to virtual and actual private networks, as any shape web, as a plurality of computing devices that can form their own web and/or be "plugged" into other networks.

It is also possible that a hardware network of this type is one that shares, pools or banks memory. Doing this on a collective basis the hardware devices would be able to more productively use memory.

The male to male scenario described previously can also be accomplished with The Wad enabled portable and the Wad dock both having the facility of a memory protrusion and a space for memory transfer device insertion.

Either Wad device could direct data flow or accept data flow, or simultaneously. One arrangement could exist wherein the Wad portable inserts its memory stick protrusion and accepts the memory stick protrusion of the Wad dock at the same time, causing and interlocking of two separate drives and two separate memory sticks.

The Wad dock and Wad enabled portable could at any time then act as male, female or the combination of the two described in the last paragraph depending on the needs of the devices for data transfer.

As mentioned earlier the invention includes a dock or data link connection mount that for down loading information at the point of sale the dock or mount could be MP3 capable or connected to a computer "tower" that has an MP3 in it. The Wad, as well, in this scenario can also possess the MP3 capability, then the data would be an MP3 to MP3 data exchange.

To facilitate the docking and/or data transfer arrangements and embodiments, cell phone/s would need to be manufactured or retrofitted with the capability for docking or mounting for upload/download of compressed files to a cell phone docking/mounting data link connection.

Further to this cell phones with this new capability could be used in a purchasing capacity at least, at point of purchase, which means there could be a docking/mounting data link connection for the home computer or laptop that enable Wad/s or Wad enabled cell phones to receive compressed files at home or on the move with a Laptop.

So then it would follow that a small piece of technology would be designed and manufactured, and when built into or added to a cell phone, enables data exchange. When

mounted/docked and plugged/connected to the mounting/docking station, this small piece of technology would have all of the necessary connection points and grooves to enable a Wad or Cell phone or palm pilot to jack into the computer system apparatus.

This added on feature, to make a device Wad™ capable can posses memory and storage capability and may even be an integral part of docking or mounting a Wad enabled device for data transfer.

It is also possible that this is an intermediary device between the cell phone display apparatus and data transfer apparatus such as the dock or mount.

With the mechanics of the cell phone, the main integral 'added on' part of a cell phone that snaps into place to interact with a cell phone in the form of energy transfer is its battery apparatus. The capability for docking or mounting for upload/download of compressed files to a cell phone's docking/mounting data link connection, in this embodiment, would be a part of the apparatus of the cell phone that easily locks into place to facilitate that capability.

Given that the cell phone battery block has the capability and ease of locking into place to interact with the cell phone then it is possible to have a battery device &/or apparatus of a cell phone constructed to have the capability for docking or mounting for upload/download of compressed files to a cell phone docking/mounting data link connection.

This capability could include a multiplicity of arrangements to facilitate data transfer.

The cell phone battery apparatus having easy access to the circuitry for display features of a cellular device makes an added on part of a cell phone that would snap into place to interact with that cellular device, and then being an integral part of a cell phone would be a data transfer conduit with drive device that can also have the capability for docking/mounting.

With regards to the previous descriptions of a portable telephonic device that has memory storage and/or drive capability, another arrangement could exist where the loading of a secondary memory device, like a memory stick could be a small disk like a floppy disk that is loaded into the drive apparatus of the telephonic device and/or attached/retrofitted drive

device, such that it is totally loaded into a drive apparatus, and ejected when needed. This would accomplish previously described transactions for "Wad enabled" described apparatus wherein electronic data is taken from one telephonic device and transferred to the repository of another.

The Wad docking arrangement can also be built into or be a part of a computer keyboard arrangement to facilitate e-commerce (or any other application related to data transfer) at the PC or laptop.

Another embodiment of the Wad dock is one wherein a memory transfer protrusion of a Wad dock has a smart chip on its surface such that when inserted into a receiving device it completes a communications circuit for data communications and/or transfer.

Alternatively the smart chip could be embedded inside the receiving device to complete that circuit.

There could also exist an arrangement where a plurality of smart chips are employed between a Wad dock and a Wad enabled device; For example a Wad dock alcove may have a smart chip to correspond to one side of a Wad enabled device, and the Wad enabled device may have a smart chip on the opposite side of its base to correspond to the opposite side of the receptacle. Many arrangements could be facilitated to complete a telecommunications circuit for data transfer.

The above mentioned embodiment of the invention/s need not be restricted to POS as its applications are useful in a multiplicity of scenarios.

Another embodiment using the POS aspect WAD docking transaction and/or promotion apparatus may include data link connection through the use of a hanger and hook arrangement, such as one that is employed with CB 's in taxis and trucks, such that in one arrangement a button hook on the back of a mobile device could have power and/or data link/port capability to connect and receive power and/or data stream when hung and connected with the button hanger receiving recepticle. This may not be restricted to mobile devices alone as CB 's themselves could incorporate this feature. An arrangement could exist

where this receptacle may have further electronics for data processing for storage or transmission or further data link to further electronic data management apparatus and/or networks.

Most POS kiosks have a spool of paper that is separate from the POS interac keypads. A spool that is linked directly to the computer/till/stocktake apparatus for the purposes of providing receipts and such things. The Wad dock can have the same arrangement unless otherwise required by the person/s leasing or buying a Waddock. Another arrangement could include receipt paper spooling apparatus that is built into the Wad dock to provide paper receipts for POS customer/user.

The Waddock could also have data connection points like ports or AV input output jacks for connection/s. One use could be for spooling apparatus such as paper receipt spool/s that are separate from the docking station.

Another embodiment of the Wad dock is one where the docking station is capable of accepting a further secondary memory device such as laser disk like a CD or DVD. This would be useful for playing a CD or DVD while the portable device is cradled. This would make the screen of the portable mounted device the viewing apparatus for playing a DVD movie or game. To enable this the Wad dock could have further ports for accepting further plug in devices such as joysticks for facilitating game play.

This could be utilized while driving a car or anywhere the Wad dock were employed. So a person could watch a movie viewing it through their Palm Pilot or Blackberry. An online connection cable or telephone line could also be included for a Wad dock of this type for the purpose of burning Audio or Video like movies or songs onto DVD's or CD's from the net. In this embodiment the portable device that is docked could play an entirely passive role acting as a view screen with the Wad dock acting as a DVD player.

BRIEF SUMMARY OF SOME OF

THE DESCRIPTIONS OF EMBODIMENTS AND SOME FURTHER

DESCRIPTIONS

LOADING TO/FROM DEVICES:

One embodiment of the invention is an arrangement for data transfer at the point of sale between a Wad or cellular device and the POS apparatus repository, is one where the devices and apparatus that facilitate data transfer constitute a standard, such as an industry standard.

With regards to the described communications arrangement/s that facilitate loading of image and sound data files (either compressed by using an algorithm or not) which can be incentives and/or advertising for the personal hand-held portable communications device user at the point of sale, that may be specific to an individual user and/or user demographic, there can be several embodiments that achieve the same thing.

One embodiment of transaction and advertising provision, could be where, in conjunction with providing download or upload of advertising or promotions at point of sale/transaction, can be where the consumer has his Wad™ or Wad™ enabled device scan the item for sale and has advertising/promotions loaded to his cellular device before, during, or after electronic funds transfer.

Another embodiment is one where a service provider such as a retailer or bank doesn't wish to be a part of the B2B/B2C arrangement but would like to load their own advertising and promotions to a Wad™ or Cellular device at the point of sale/transaction, before, during or after consumer/user transacting.

As for descriptions provided for B2B and/or B2C communications network arrangements that facilitate the supply of incentives and/or advertising for the personal hand-held portable communications device user at the point of sale/transaction, some of these descriptions entailed a computer network process or machine & method for receiving and providing visual display advertising and consumer incentives at the point of transaction.

This method or machine can be described as or what acts as an "associator" network, and in one of its embodiments tracks the purchases made by people through their Wad™ or Cellular device at the point of transaction at one or more retail, banking, and vending outlets. This network can be utilized for both wireless and wired POS transaction systems integrating a Wad™ or Cellular device for the transaction process.

A network can store this transaction data to provide for companies wishing to utilize the data to make decisions for providing electronic incentives and/or advertising to the Wad™ or cellular device user at the point of sale.

Through the use of customer tracking and preference association programs such as "bot" and "cookie" programs the Wad™ or Cellular device user can be tracked from place to place and advertising can be custom tailored to suit his needs and wants according to his indicated purchasing patterns.

The B2B aspect of this network arrangement can be a "suite" type of arrangement where Companies would have secure intercommunications for such purposes as arranging for synergistic advertising co-operation.

The B2C aspect can have the capability for the Wad™ or Cellular device user to have access to a directory of participating Wad™ or Cellular device POS/POT retailers. This directory can be accessed to facilitate transaction and/or the Wad™ or cellular device would communicate directly with the Wad™ or cellular device POS equipment and subsequent Wad™ or cellular device POS network link.

DOCKING AT POINT OF TRANSACTION:

One aspect of what was described with regards to the Waddock™ was that it can be used to act as a bridge between a consumers Wad™ or cellular device and existing EFT POS equipment and networks.

The device could be further described as a docking station to which a consumer could place their Wad™ or Cellular device. While placed in this docking station the Wad™ or Cellular device can be provided with a charge so that even if it were completely out of batteries it would still be to interface for transaction.

Further to this the docking station can also be a physical means of identifying the Wad™ or cellular device unit to which a corresponding EFT POS network may have details that verify the particular Wad™ or Cellular device as a registered transaction device. The applicable transaction network may have an assigned Wad™ or Cellular device database or "account" number much like a credit card number to correspond with registered banking or credit account details to which the consumer is trading with. This would be an additional feature for security and identification purposes.

Also, acting as a bridge with data link connection to the Wad™ or Cellular device, it can act in completing a physical communications circuit between the Wad™ or Cellular device, the transaction network, and any other secondary or external devices such as computer monitors, television screens etc....

Acting as a type of bridge would also create a physical means of separating Wad™ or cellular device's from transaction networks in the event of a virus, worm or any other type of malicious program. The docking station would physically separate the device from the vendors stocktaking and transaction hardware and software. Information sent from the Wad™ or cellular device, prior to reaching the docking stations data link connector, could be scanned and stored within the docking device prior to any relay thus providing effective firewall and virus protection for vendors and transaction networks.

This docking station could be a wireless or wired unit having a wireless or wired link to the vendor POS apparatus or could have a wired link with wireless backup in the event of power failure.

TRANSACTING:

There could be several ways for the steps for transacting with the arrangements and embodiments given in the 'detailed descriptions of embodiments of the invention' to be carried out. This is one example of how the interface at the point of transaction between apparatus described may be carried out, but is not limited to any number of combinations or permutations of steps to carry out one or more of the steps described to achieve the same things.

i.e. - Step 1. Docking station accepting portable unit.

- Step 2. Providing an electronic charge for the purpose of ensuring eaablement of portable unit for data transfer (this may be between a Wad™ or cellular device and associated financial networks &/or merchant POS hardware and associated networks for electronic funds transfer at point of sale.

- Step 3. POS system and docking unit reads unique identifier of Wad™ or cellular device through physical connection verification.

- Step 4 POS system providing menu prompt display to customer through either:

a. separate keypad b. keypad and display built into docking station. c. Display uploaded to screen of portable device.

-Step 5. Customer going through menu selections or "windows" type menu selections to complete transaction with merchant vendor network or customers link through portable unit to financial vendor network separate from merchant vendor network that will supply electronic funds to vendor.

- Step 6. (optional) Before, during or after transaction, merchant vendor and/or customer device network links to a network that is a B2B/B2C communications Network that provides incentives and/or advertising to Wad™ or cellular device.

- Step 7 ( optional) (may or may not come before step 6) B2B/B2C network stores transaction details and associates them with database parameters for marketing information assemblage and/or provision purposes.

MARKETING AND PROMOTIONS PROVISION SCENARIO/BUSINESS MODEL:

Another embodiment that was described was one where the consumer makes a purchase through the proposed Wad™ or cellular device POS network link incentives and/or advertisements can be provided that are specific to a given store or product or service. One example of this could be a person making a purchase of beer at a liquor store using the Wad™ or cellular device POS network link, and may automatically receive an electronic coupon for two for one pizza at a participating pizza outlet. This decision might be made by companies participating in the Wad™ or cellular device POS network B2B suite based on their decision that beer drinkers are in the higher percentile of pizza eaters. Another example is that a person purchasing wine may automatically receive an electronic discount coupon advertisement on his Wad™ or cellular device for the purchase of a certain brand of cheese at a participating supermarket. The advantageous combinations for the advertiser are limitless.

The B2C aspect of the Wad™ or cellular device POS network may also provide a means for the consumer utilizing the network to have access to an itemized list of his purchases for accounting purposes as well as a means for electronic sorting and filing of electronic payments and any values or discounts accrued through the use of the system.

One arrangement for the provision of advertising and promotions through the B2B/B2C network could involve any or all of the following elements:

B2B/B2C-

1 ) B2B/B2C receives a ping of a customer' s unique identifier that associates the unique identifier with a history file.

2) Parameters within history file program associate current and previous purchases to allocate promotion material to the Wad™ or cellular device.

3 ) A predetermined promotion is allocated for the purchase type.

4) Promotional material is sent to the Wad™ or cellular device accessing the POS network.

5) Promotional material may include info gathering such as surveys.

6) Money paid by advertiser (for this example we will say lcent) is apportioned between retailer, POS network and B2B/B2C Advertising service provider.

For this example - Advertising provision 34%(B2B/B2C network), delivery 33%(Financial histitution/s transaction route used at POS network transaction), access 33%(Retailer/Vendor)

o POS network would be the banking network with prior approval to share banking data for or to advertisers for promotional purposes. So to have the banks as partners in this venture would assist matters and they would be remunerated for co-operative participation.

o Retailer provides or ensures system (B2B/B2C) use for any customers using Wad™ or cellular device devices for transactions.

7) Retailers and POS Financial Institutions may bank participation advertising revenues accrued to be applied for further advertising campaigns within the B2B/B2C system. An incentive applied for banking advertising revenues earned to be further applied to

advertising within the said network (for this example) could be a 10% bonus to monies earned if they are held and allotted for further advertising within the system.

So let us take the following scenario to illustrate how this could work. A retailer named Tasty Chicken has 10, 000 locations across Canada. A Soft drink maker named CoIaCo wishes to promote their Cola for people when they may or may not be eating chicken but definitely for Tasty Chicken eaters because their statistics say these are people that are more likely than not to buy their product type.

** 10,000 Tasty Chicken locations with 10 Wad™ or cellular device purchase customers per day 365 days a year = 36.5 million transactions and advertisements per year.

If each add costs CoIaCo lcent then covering all of these customers would cost $365,000.00.

The advertising money would then be allocated as such:

P. Banks (Participating Banks) get - $120,450.00 Tasty Chicken gets - $120,450.00

B2B/B2C gets - $124,100.00

In this scenario P. Banks bank their earnings with B2B/B2C towards further advertising for a 10% bonus credit and then have $132,495.00 available for further advertising, and in this example the capacity to reach 13, 249, 500 Wad™ or cellular device transaction persons with their desired message/s.

Further to this Tasty Chicken does the same. As a matter of fact, Tasty chicken, P. Banks and CoIaCo are good buddies and decide to do what good buddies do, and reciprocate.

P. Banks allocates $66,247.5 of his allotted advertising credit to target Wad™ or cellular device transactors transacting at Tasty Chicken Franchises and $66,247.5 to target Wad™ or cellular device transactors transacting with CoIaCo vending machines.

Tasty Chicken allocates $66,247.5 of his allotted advertising credit to target Wad™ or cellular device transactors transacting with P. Banks- ATM Bank Machines and $66,247.5 to target Wad™ or cellular device transactors transacting with CoIaCo vending machines.

This further scenario ends up working out this way:

Advertising dollars attributed to CoIaCo vending machines generate $43,723.35 revenue for CoIaCo or can be banked as an advertising expense with 10% bonus giving $48,095,685 towards advertising generating a further 4, 809, 568 advertisements for CoIaCo with Wad™ or cellular device transaction users.

This means for the $365,000.00 CoIaCo spent they received 36.5 million advertisements & (from reciprocal advertising) 43,723.35 in revenues or a total of 41,309,568.5 advertisements for their $365,000.00.

Tasty Chicken they received $120,450.00 off the get go, and a further $21,861.75 from their buddies for just granting access to Wad™ or cellular device transaction customers. Being conscious of the balance sheet Tasty chicken then decided to invest their new found revenues in advertising to attract more customers and received a 10% bonus doing so, to place 15, 654, 284 advertisements through the Wad™ (Wad™ or cellular device dock etc... ) network.

P. Banks, are the big winners of this whole marketing scenario as they spent nothing to place 12, 045, 000 advertisements and generated $ 79497.00 in revenue or $ 87 446.70 credit for further advertising to target 8, 744, 670 more consumers.

MARKETING APPARATUS AND METHODS DESCRIBED

There will need to be ways and means to market and sell Wad™'s, Wad™ docks, or Wad™ enabling parts or pieces.

One way could be a massive advertising campaign but that would be expensive, unless barter could be arranged for credit on advertising space on the Wallet Wafer™ through the Suite Arrangement™.

Another way is to provide the POS docking technology free, and preferential access and services in the Suite Arrangement™ for retailers large and small for a period of time like a year or so. In exchange for this, a Wallet Wafer™ display shelf could be set up, and Wallet Wafers™ could be sold as a loyalty device. A standard markup may be applied for the retailer selling the Wallet Wafer so they could profit from selling the Wafer™ and the concept of Wad™ POS and POT systems. Simultaneously the Wallet Wafer could be sold and available on order from cellular retail outlets.

One arrangement for distribution could involve arranging for businesses that have existing point of sale distribution networks, to sell the hardware and point of sale Wad docks™. Existing POS system distribution networks may be approached to be franchisee distributors of Wad™ hardware and systems, as well as existing POS system retail networks that may be approached to rent or lease or buy Wad™ hardware and systems.

Marketing Services: Once the B2B and B2C site that is described as the Suite Arrangement™ is built, participants may be contacted and serviced by marketing company franchisees. The franchisees job could involve providing marketing and advertising graphic design services for retailers large and small as well as online entities that wish to market through the Suite Arrangement™.

All sales and service could be registered and facilitated through the Suite Arrangement™ & Wad™ transactions registered, tracked, and analyzed through the Suite Arrangement™ to learn consumer purchase and transaction habits for marketing. Things like cross-market pollination, demographic analysis, target marketing, product campaigns and any other marketing tactics applicable can be employed by utilizing registered access to statistics and customer profiles through the Suite Arrangement™.

MANUFACTURING:

The following are some descriptions of how Wad™'s, Wad™ docks, or Wad™ enabling parts or pieces may be made, sold or arrangements for having proprietary rights in them.

With a licensing arrangement, production based on materials purchased by

manufacturer in bulk, manufacturing operations may be contracted to provide a (Wad™'s, Wad™ docks, or Wad™ enabling parts or pieces) product line, may involve manufacturing costs that are relatively low per unit. Molding and tooling can be suitably arranged for Wad™'s, Wad™ docks, or Wad™ enabling parts or pieces.

Durability will be a standard that can be insured, and replacement cost/s may be offset against insurable loss and manufacturer warranties.

Reparability - may be provided on a parts or entire unit replacement basis.

It will be appreciated by those skilled in the art, that the invention is not restricted in its use to the particular application described, and neither is the present invention restricted in its preferred embodiment with regard to the particular elements and/or features described or depicted herein. It will be appreciated that various modifications can be made without departing from the principles of the invention. For example variations in materials used and the shape, number, and arrangement of various elements may be made, changes and modifications in form and details may be made, as well as implementation of variations, and modifications of the invention in its various aspects, as well as variations in the implementation of the invention such as numerous changes in the details of procedures for accomplishing the same results can be made. Therefore, the invention should be understood to include all such variations, modifications and changes within its scope.

Specific embodiments of the invention will now be described in some further detail with reference to and as illustrated in accompanying figures. These embodiments are illustrative, and not meant to be restrictive of the scope of the invention. Suggestions and description of other embodiments may be included but they may not be illustrated in the accompanying figures or alternatively features of the invention may be shown in the figures but not described in the specification.

List of Drawings Figures:

1. Docking Station and Apparatus

2. ATM Docking Station and Apparatus

3. Point of transaction Interface and Apparatus

4. Point of Sale Interface Communications Arrangement

FIGURE l DOCKING STATION AND APPARATUS

1. Docking Station

2. Display

3. Disk Controller

4. Expansion Slots

5. A/V Input Points

6. Ports for Input from or Output to External Devices

7. A/V Output Points

8. A data cable between the Docking Station and a Communications Network such as a LAN or WAN, and a view of the physical connection, and a view of a telephone jack for DSL to a communications network.

9. Camera Lens

10. Cellular Device

11. Energy transference/charging points and/or Energy stabilization/grounding points.

12. A port/connector for docking. In this example a USB port/connector.

13. The docking cradle/mount/cubby/stand to which the portable hand held telephone/cellular device/photographic device will sit for data link connection and energy transference/energy stabilization.

14. A Modem

15. Power supply for the docking station circuit grid.

16. A router between data transfer apparatus of external network/s and portable hand held telephone/cellular/photographic data storage and assemblage apparatus.

17. The corresponding port/connector and two energy transference/charging points and/or energy stabilization/grounding points, to which the portable hand held telephone/cellular device/photographic device will come to rest for data transfer.

18. A disk drive

19. A laser disk drive

20. A hard drive

21. A biometric identification authenticator in the form of an electronic thumbprint reader.

22. A Central Processing Unit

23. A Keyboard

24. A CMOS chip/function

25. A battery

26. A clock

27. ROM chips containing a basic Input/Output system - BIOS

28. RAM chips/Random Access Memory

29. External data Connection Point/DIN connection port for external apparatus such as a keyboard.

FIGURE 2 ATM DOCKING STATION AND APPARATUS

1. An Automatic Teller Machine

2. An ATM kiosk and view screen

3. ATM data entry keypad.

4. A portable hand held telephone/cellular/photographic device docking cradle/mount/cubby/alcove/stand.

5. Data transfer connection and energy transference/stabilization apparatus.

6. Docking station operations box.

7. Data link and line between ATM data management apparatus and Docking Station operations box.

8. Data line leading to and from Docking station operations box and external communication/s network/s.

9. ATM data management apparatus.

10. ATM data stream between data management apparatus and ATM kiosk.

11. Data stream between ATM data management apparatus and ATM Money Machine/Currency boxes.

12. ATM Money Machine/Currency boxes

13. Card Reader

14. Envelope Deposit Slot.

15. Money Dispenser.

16. Expansion Slot.

17. Receipt Dispenser.

FIGURE 3 POINT OF TRANSACTION INTERFACE AND APPARATUS

1. A retail/fast food outlet

2. The retail/fast food outlet cash register/sales recording/stocktake apparatus.

3. Data line between retail/fast food outlet cash register/sales recording/stocktake apparatus and portable hand held telephone/cellular/photographic device POS docking station and apparatus.

4. Customer service personnel of retail/fast food outlet about to hand over/give permission to a customer to use a keypad attached to docking station/POS apparatus to enable a POS transaction, after he has received the customers portable hand held telephone/cellular/photographic device for him to facilitate data transfer/loading of data between the portable hand held telephone/cellular/photographic device and the store's POS computer system/network.

5. Keypad attached to docking station/POS apparatus.

6. Spare alcoves/cubbys/mounts/cradles for a plurality of portable hand held telephone/cellular/photographic device shapes, sizes and data connection configurations.

7. A portable hand held telephone/cellular/photographic device mounted and docked, ready to engage or already engaged in Data transfer.

8. Data cables leading from docking station to external communications network and/or the retail POS apparatus.

9. The Customer who is awaiting the POS key pad to conduct a transaction.

FIGURE 4 POINT OF SALE INTERFACE COIVTMUNICATIONS ARRANGEMENT

• A communications arrangement for a POS interface with portable hand held telephone/cellular/photographic device/s between a plurality of different networks or network points.