What Concept, Device or Instrument Is Described by Each of the Phrases

Short Answer

What concept, device or instrument is described by each of the phrases or sentences listed below?
a. On payday, many workers are receiving this negotiable item instead of a traditional paycheck.
b. Funds that are transferred electronically from the payor's account to the account of the payee.
c. Provides the holder access to cash, the ability to transfer funds and the ability to check balances.
d. Transfers information and money in using radio frequencies with no direct contact.