Patent ID: 8393536

Claim:
A method for a system having a plurality of persons, a plurality of cards issued under authority of an entity; a retail site configured with a first signal, the first signal being common to the plurality of cards; the system further including a second signal on a first card in the plurality of cards; wherein each card evidences a license for a person to operate a vehicle; and a second system storing an association between the second signal and account information, the entity and an owner of the second system being non-affiliated, the method comprising the steps of: receiving the first and second signals from the first card; responsive to the first signal, making a routing decision; responsive to the routing decision, conditionally sending the second signal into a first hardware path, to cause the second system to perform the steps of determining whether the first card can effect payment, responsive to the determining step, conditionally sending a message to cause an institution to send an ACH entry to Federal Reserve ACH system, making an entry in an accounting system, to effectively increment an amount owed by the owner of the retail site to the owner of the second system, conditionally effecting a transaction with a holder of the first card, depending on a signal received from the second system.