| 摘要 |
<p>A system for transmitting and recording the transfer of electronic funds to a payment acceptor includes a personal data unit (8) and transaction node (5). The personal data unit (8) includes a microprocessor (20) having a data storage structure (21) storing an electronic funds balance connected to a data transmitter (26). The transaction node (5) includes a node receiver connected to the payment acceptor. Upon receiving a signal from the data transmitter (26), the node receiver signals receipt of electronic funds to the payment acceptor which in turn, debits of credits the electronic funds received in exchange for goods or services. In an optional embodiment, the system includes a transaction and information database for tracking transactions and, optionally, storing identity validation data (28) to verify the identity of users transacting electronic funds. A transaction hub (11) is optionally used to exchange electronic funds for cash or credit.</p> |
