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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0023120 (1993-02-26) |
| 발명자 / 주소 |
|
| 인용정보 | 피인용 횟수 : 308 인용 특허 : 0 |
This invention describes a combination of methods and apparatus that creates electronic money for personal transactions which integrates the functions of cash, checks and credit cards with constant surveilance against fraud. This money can also serve as an international medium-of-exchange, and suppo
This invention describes a combination of methods and apparatus that creates electronic money for personal transactions which integrates the functions of cash, checks and credit cards with constant surveilance against fraud. This money can also serve as an international medium-of-exchange, and support automated sales tax collections and payment. This money\s support system is comprised of personal terminals, vendor terminals, an electronic banking sub-system, and homebase terminals. Such a system, if widely used, would increase commercial and personal productivity, provide better security against fraud and counterfeiting, facilitate the automation of operations that involve currency, and sharply diminish the flood of paper that threatens to inundate the present system.
An electronic money system; using transaction packets as its medium-of-exchange said packets being comprised of digital bytes that specify the transaction amount, type of transaction, settlement routing, nationality of base currency, and system security; is comprised of: personal terminals, automate
An electronic money system; using transaction packets as its medium-of-exchange said packets being comprised of digital bytes that specify the transaction amount, type of transaction, settlement routing, nationality of base currency, and system security; is comprised of: personal terminals, automated and semi automated vendor terminals, and an electronic banking network consisting of PACs, VACs, HBTs, and clearinghouses; said personal terminal being comprised of a receiver/transmitter, running debit and credit account registers, crypto crediting entry gate, liquid crystal display, and button switches that configure terminal to conduct a variety of transactions or to display running account balances; said vendor terminal being comprised of a receiver/transmitter, transaction amount entry means, memories, modem, and display; said vendor account custodian terminal being comprised of apparatus that periodically receives vendor\s transaction packets from which it credits vendor\s account and forwards said packets to designated PACs; said electronic clearinghouse being comprised of means to direct transaction packets from the various VACs to their specified personal account custodians; said personal account custodian terminal being comprised of means to receive and store individual transactions, means to debit individual running accounts using said transaction information, means to credit running accounts from cash deposits, means to generate crypto entry codes to gain crediting access to PT\s running accounts, means to interact with PT via its homebase terminal, and means for detecting and pinpointing fraud, malfunction or error; and said homebase terminal being comprised of means for interfacing a telephone line to said PT to provide a convenient entry point into the electronic banking system.
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