It allows smartphone owners to make in-store purchases by typing in a telephone number and personal ID code at the cash register.

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After some criticisms, the DTCC and CFTC changed the name of their ID code from LEI to CICI for CFTC Interim Compliant Identifiers.

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Today they can handle 80 times more information than the most advanced magnetic-stripe plastic, which usually contain little more than a name, an account number and a secret ID code.

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The young female cashier was texting on her cell phone when I arrived, pointing to the red phone downstairs one must use to call Moneygram and speak to a robot, selecting English or Spanish, whether sending or receiving money, giving the eight-digit confirmation code and personal ID information to release the funds for receipt.

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There's also a QR code plus its corresponding label ID printed below the foil, and scanning the former or entering the latter on qr-sennheiser.com returns a virtual copy of the foil label plus a visual description.

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To use a card at checkout, a cashier can either scan the card's bar code from the smartphone or type in the member's ID number.

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If they don't have a frequent-flier ID card, travelers check in online or at kiosks and get a bar code on a printed boarding pass or on a mobile phone, just like at other airlines.

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