System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Jan 18, 2000
Grant Date -
N/A
app pub date -
Apr 26, 1996
filing date -
Apr 26, 1996
priority date (Note) -
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status (Latency Note)
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Abstract
An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms of payment organized. Access to the instruments in the wallet or purse is restricted by a password to avoid unauthorized payments. A certificate form must be completed in order to obtain an instrument. The certificate form obtains the information necessary for creating a certificate granting authority to utilize an instrument, a payment holder and a complete electronic wallet. Electronic approval results in the generation of an electronic transaction to complete the order. If a user selects a particular certificate, a particular payment instrument holder will be generated based on the selected certificate. In addition, a default bitmap for the instrument associated with a particular certificate is defined by the issuing agent for the certificate, and the default bitmap will be displayed when the certificate definition is completed. Finally, the number associated with a particular certificate will be utilized to determine if a certificate can be issued by a particular party.
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