Patent ID: 8019451

Claim:
A financial transaction system including: a financial transaction product including: a media player configured to receive and store compressed digital media files and to convert the compressed digital media files into sound waves, a housing having a linear sidewall, the housing at least partially enclosing the media player, retractable headphones configured to output the sound waves from the media player, the retractable headphones including ear buds and at least one cord, wherein the ear buds are configured to be stored externally with respect to the housing, each ear bud has a disk and a stem, the stem extends from the housing to encase a portion of the at least one cord, the stem and the at least one cord are configured to be selectively at least partially maintained within the housing, the stem and cord enter the housing at the linear sidewall, and the disk is disposed entirely outside of the housing at the linear sidewall; and an account identifier linking the housing to at least one of a financial account or a financial record, the financial account or the financial record having a monetary value available for use as at least partial payment for one or more of goods and services; and a database storing the financial account or financial record, wherein the database is separate from the financial transaction product.