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Electronic-monetary system    
United States Patent5453601   
Link to this pagehttp://www.wikipatents.com/5453601.html
Inventor(s)Rosen; Sholom S. (New York, NY)
AbstractAn improved monetary system using electronic media 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 (1) issuing banks or financial institutions that are coupled to a money generator device for generating and issuing to subscribing customers electronic money including electronic currency backed by demand deposits, or electronic credit authorizations; (2) correspondent banks that accept and distribute the electronic money; (3) a plurality of transaction devices 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 with other like transaction devices; (4) teller devices, associated with the issuing and correspondent banks, for process handling and interfacing the transaction devices to the issuing and correspondent banks, and for interfacing between the issuing and correspondent banks themselves; (5) a security arrangement for maintaining the integrity of the system; and (6) reconciliation and clearing processes to monitor and balance the monetary system.
   














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Patent Text Patent PDF Print Page Summary File History
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Inventor     Rosen; Sholom S. (New York, NY)
Owner/Assignee     Citibank, N.A. (New York, NY)
Patent assignment
All assignments
Publication Date     September 26, 1995
Application Number     07/794,112
PAIR File History     Application Data   Transaction History
Image File Wrapper   Patent Term   Fees
Litigation
Filing Date     November 15, 1991
US Classification     705/65 235/379 705/43 705/67 705/68 705/69 713/173 902/24
Int'l Classification     G06F 017/60 G06G 007/52
Examiner     Willis; Davis L.
Assistant Examiner     Rashid; Peter J.
Attorney/Law Firm     Dowling; Thomas P. Bromberg; Laurence J. ,
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Priority Data    
USPTO Field of Search     235/379 364/406 364/408 902/24
Patent Tags     electronic-monetary
   
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