| 摘要 |
<p>A monetary system using electronic media (11) to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with conventional paper money comprising: (I) issuing banks (1) or financial institutions that are coupled to a money generator device (6) for generating and issuing to subscribing customers electronic currency backed by demand deposits and electronic credit authorizations; (II) correspondent banks (2) that accept and distribute the electronic money; (III) a plurality of transaction devices (4) that are used by subscribers for storing electronic money, for performing money transactions with the on-line systems of the participating banks or for exchanging electronic money off-line with other like transaction devices; (IV) teller devices (5), associated with the issuing (1) and correspondent banks (2), for process handling and interfacing the transaction devices (4) to the issuing (1) and correspondent banks (2), and for interfacing between the issuing (1) and correspondent banks (2) themselves; (V) a security arrangement (21) for maintaining the integrity of the system; and (VI) reconciliation (22, 23) and clearing processes (13) to monitor and balance the motenary system.</p> |
