초록 ▼

An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms of payment organized. Access to the instruments in the wallet or purse is restricted by a passwor

An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms of payment organized. Access to the instruments in the wallet or purse is restricted by a password to avoid unauthorized payments. An appropriate indicia such as color, an icon or other information associated with the display screen will be used to communicate security authorization for a particular instrument, payment instrument or payment instrument holder. When access is authorized, a graphical representation of the payment instruments is presented on the display to enable a user to select a payment method of their choice. Once a payment instrument is selected, a summary of the goods for purchase are presented to the user and the user enters their electronic approval for the transaction or cancels the transaction. Electronic approval results in the generation of an electronic transaction to complete the order.

대표청구항 ▼

[ What is claimed is:] [19.] An apparatus for initiating payment for one or more goods or services by using a computer under the control of software, with an attached display and input device, connected to a network for receiving and transmitting network information, comprising:(a) the computer unde

[ What is claimed is:] [19.] An apparatus for initiating payment for one or more goods or services by using a computer under the control of software, with an attached display and input device, connected to a network for receiving and transmitting network information, comprising:(a) the computer under the control of software presenting on the display one or more payment instrument holders capable of holding a plurality of payment instruments;(b) an input device under the control of the computer under the control of software selecting a payment instrument holder; and(c) the computer under the control of software utilizing one or more parameters in the selected payment instrument holder to select a default payment instrument for use in processing payment for the one or more goods or services via the network.