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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0794112 (1991-11-15) |
| 발명자 / 주소 |
|
| 출원인 / 주소 |
|
| 인용정보 | 피인용 횟수 : 771 인용 특허 : 0 |
An improved monetary system using electronic media to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with conventional paper money comprising (1) issuing banks or financial institutions that are coupled
An improved monetary system using electronic media to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with conventional paper money comprising (1) issuing banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits, or electronic credit authorizations; (2) correspondent banks that accept and distribute the electronic money; (3) a plurality of transaction devices that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money with other like transaction devices; (4) teller devices, associated with the issuing and correspondent banks, for process handling and interfacing the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a security arrangement for maintaining the integrity of the system; and (6) reconciliation and clearing processes to monitor and balance the monetary system.
An electronic monetary system comprising: an issuing bank having an on-line accounting system; electronic representations of currency that are credited in said on-line accounting system as current liabilities of said issuing bank; a money generator module associated with said issuing bank, for gener
An electronic monetary system comprising: an issuing bank having an on-line accounting system; electronic representations of currency that are credited in said on-line accounting system as current liabilities of said issuing bank; a money generator module associated with said issuing bank, for generating said electronic representations of currency; a teller module associated with said issuing bank, capable of storing said electronic representations of currency, and intermediating banking transactions involving said electronic representations of currency; a transaction module capable of storing said electronic representations of currency, performing on-line transactions with said issuing bank, and exchanging said electronic representations of currency with other transaction modules in off-line transactions; where said electronic representations of currency each include an original monetary value generated by said money generator module; and said teller and transaction modules having processors operative, when said modules are functioning as transferor modules transferring one of said electronic representations of currency to a transferee module, to generate and include in said transferred electronic representation of currency a transfer record having a transferred monetary value.
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