A SMARTCARD CASH MANAGEMENT AND USAGE CONTROL SYSTEM HAVING INFRARED DATA COMMUNICATION LINKS FOR CONTROL USING HANDHELD COMPUTING DEVICES,NAMELY, DATA PROCESSORS, ELECTROMAGNETICALLY CODED USER CARDS, ELECTROMAGNETIC CODED CARD READERS, ELECTROMAGNETIC CODED CARD WRITERS AND ASSOCIATED SWITCHING AND DATA COMMUNICATION INTERFACES, NAMELY, ACTUATORS, TRANSMITTERS, RECEIVERS, AND MODEMS, FOR TRANSFERRING VALUE BETWEEN USER CARD AND CASH OR CREDIT ACCOUNTS AND DEBITING VALUE ON THE USER CARDS IN CONJUNCTION WITH CASHLESS VENDING OF PRODUCTS, USAGE OF SERVICE AND ACCESS CONTROL.

'access':77 'account':58 'actuat':43 'associ':36 'card':26,29,33,53,65 'cash':3,55 'cashless':69 'code':24,28,32 'communic':12,40 'comput':18 'conjunct':67 'control':7,15,78 'credit':57 'data':11,21,39 'debit':60 'devic':19 'electromagnet':23,27,31 'handheld':17 'infrar':10 'interfac':41 'link':13 'manag':4 'modem':47 'name':20,42 'processor':22 'product':72 'reader':30 'receiv':45 'servic':75 'smartcard':2 'switch':37 'system':8 'transfer':49 'transmitt':44 'usag':6,73 'use':16 'user':25,52,64 'valu':50,61 'vend':70 'writer':34

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