发明名称 ELECTRONIC-MONETARY SYSTEM
摘要 An electronic-monetary system having (1) banks or financial institutions tha t are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits and electronic credit authorizations; (2) correspondent bank s that accept and distribute the electronic money; (3) a plurality of transaction devices that are used by subscribers for storing electronic mone y, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money with other like transaction devices in off-line transactions; (4) teller devices, asscoiated with the issuing and correspondent banks, for process handling and interfaci ng the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a clearing bank for balancing the electronic money accounts of the different issuing banks; (6) a data communications network for providing communication s services to all components of the system; and (7) a security arrangement for maintaining the integrity of the system, and for detecting counterfeiting an d tampering within the system. An embodiment of the invention includes a customer service module which handles lost money claims and links accounts t o money modules for providing bank access.
申请公布号 CA2218612(A1) 申请公布日期 1996.10.24
申请号 CA19962218612 申请日期 1996.04.19
申请人 CITIBANK, N.A. 发明人 ROSEN, SHOLOM
分类号 G07G1/12;G06Q20/02;G06Q20/04;G06Q20/06;G06Q20/10;G06Q20/12;G06Q20/26;G06Q20/36;G06Q20/38;G06Q20/40;G06Q30/06;G06Q40/02;G07F7/08;G07F7/10;G07F17/16;H04L12/22;H04L29/06;(IPC1-7):G07F19/00;H04L9/00;H04L12/54;G06F17/60 主分类号 G07G1/12
代理机构 代理人
主权项
地址