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An electronic transaction processing system performing a deposit and/or a withdrawal of digital cash between a customer and a banking facility includes a customer money card storing digital cash of the customer, a bank money card storing digital cash of the banking facility and an escrow card storin

An electronic transaction processing system performing a deposit and/or a withdrawal of digital cash between a customer and a banking facility includes a customer money card storing digital cash of the customer, a bank money card storing digital cash of the banking facility and an escrow card storing transaction information with respect to a transaction with digital cash between the customer and the banking facility. A transaction is processed by renewing digital cash stored in the customer money card and in the bank money card in response to the amount of the transaction, and transaction processing is performed after storing each balance information of digital cash stored in the customer money card and in the bank money card and the amount of the transaction in the escrow card.

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[ What is claimed is:] [1.] An electronic transaction processing system for performing a transaction comprising at least one of a deposit and a withdrawal of digital cash between a customer and a banking facility, the electronic transaction processing system comprising:a host computer having a memor

[ What is claimed is:] [1.] An electronic transaction processing system for performing a transaction comprising at least one of a deposit and a withdrawal of digital cash between a customer and a banking facility, the electronic transaction processing system comprising:a host computer having a memory;a customer's memory apparatus storing digital cash of the customer;a banking facility's memory apparatus storing digital cash of the banking facility;an escrow memory apparatus that stores balance information of digital cash stored in each of said customer's memory apparatus and said banking facility's memory apparatus prior to renewal of said digital cash stored in each of said customer's memory apparatus and said banking facility's memory apparatus, said customer's, banking facility's and escrow memory apparatuses being distinct from the memory of the host computer and not directly connected to said host computer; andwherein a transaction is processed by renewing digital cash stored in said customer's memory apparatus and in said banking facility's memory apparatus in response to a transaction amount, based on said balance information of digital cash stored in said escrow memory apparatus.