| 摘要 |
<p>A method for making person-to-person and person-to-retailer cash value exchanges in the form of electronic and card-based financial transactions is provided. A portable, hand-held electronic device is associated with a subscriber deposit account. The device is selectively activated by inputting a personal identification number, upon which a financial transaction in the form of receiving or making payments can be conducted. The hand-held device of the present invention can also be used to create temporary deposit accounts having a cash value assigned to blank payment cards having a pre-assigned identification code for later use as a debit card.</p> |
