Patent ID: 7287695

Claim:
A system for conducting financial transactions comprising: a payment card having stored account information necessary for conducting a payment transaction including a first portion, containing less than all of said account information, readable by a first machine-readable technology and a second portion different from said first portion readable by a second different machine-readable technology, both said first and second portions necessary for conducting said payment transaction; and a terminal employing both of said first and second technologies to capture said first and second portions, respectively, to acquire all said account information necessary for conducting said payment transaction, wherein said first and second machine-readable technologies are either bar-code technology, radio-frequency (RF) technology, magnetic stripe technology, optical character recognition (OCR) technology, audio-tone technology or infra-red technology, wherein said stored account information includes a payment account number, and wherein said first portion includes one or more digits of the payment account number and said second portion includes one or more different digits of said payment account number.