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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0378955 (1995-01-27) |
| 발명자 / 주소 |
|
| 출원인 / 주소 |
|
| 인용정보 | 피인용 횟수 : 445 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 a first on-line accounting system; electronic representations of money that are credited in said first on-line accounting system as current liabilities of said issuing bank; a money generator module that generates said electronic repre
An electronic monetary system comprising: an issuing bank having a first on-line accounting system; electronic representations of money that are credited in said first on-line accounting system as current liabilities of said issuing bank; a money generator module that generates said electronic representations of money; a first teller module, associated with said issuing bank, that stores said electronic representations of money; a plurality of correspondent banks, each having a second on-line accounting system and each maintaining an account at said issuing bank; a plurality of second teller modules, each associated with one of said correspondent banks, that each store said electronic representations of money; a transaction module that stores said electronic representations of money, performs on-line transactions with said plurality of correspondent banks, and exchanges said electronic representations of money with other transaction modules in off-line transactions; where said first teller module has a first processor that intermediates transactions among said first on-line accounting system, said money generator module, and said second teller module; and where said second teller module has a second processor that intermediates transactions among said second on-line accounting system, said first teller module, and said transaction module.
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