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Electronic-monetary system    
United States Patent5455407   
Link to this pagehttp://www.wikipatents.com/5455407.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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Drawing from US Patent 5455407
Electronic-monetary system - US Patent 5455407 Drawing
Electronic-monetary system
Inventor     Rosen; Sholom S. (New York, NY)
Owner/Assignee     Citibank, N.A. (New York, NY)
Patent assignment
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Publication Date     * October 3, 1995
Application Number     08/378,955
PAIR File History     Application Data   Transaction History
Image File Wrapper   Patent Term   Fees
Litigation
Filing Date     January 27, 1995
US Classification     705/69 235/379 705/42 902/24
Int'l Classification     G06K 005/00
Examiner     Shepperd; John
Assistant Examiner     Lee; Michael G.
Attorney/Law Firm     Dowling; Thomas P. Bromberg; Laurence J. ,
Address
Parent Case     This is a divisional of co-pending application Ser. No. 07/794,112 filed Nov. 15, 1991.
Priority Data    
USPTO Field of Search     235/380 235/379 902/24 364/406
Patent Tags     electronic-monetary
   
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