Currency independent electronic cash

G - Physics – 07 – F

Patent

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Details

G07F 7/10 (2006.01) G06Q 20/00 (2006.01) G07D 1/04 (2006.01) G07F 7/08 (2006.01)

Patent

CA 2297929

A system of electronic currency is shown adapted for use in electronic transactions conducted using a variety of national currencies. A credit issuing authority issues a number of credits that possess value independent of a national currency. The value of the credit may be tied to the value of services provided by the credit issuing authority. In operation, a consumer surrenders value to the credit issuing authority in exchange for credits. The consumer transfers the value to another during transactions. The second party may either surrender the credits back to the credit issuing authority in exchange for value, redeem them with the credit issuing authority in exchange for services or transfer them to other third parties in other transactions.

L'invention concerne un système de monnaie électronique destiné à s'utiliser dans des transactions électroniques faisant appel à plusieurs unités monétaires nationales. Une autorité émettrice de crédit émet plusieurs crédits possédant une valeur indépendante d'une unité monétaire nationale. La valeur du crédit peut être liée à la valeur des services fournis par l'autorité émettrice de crédit. Lors de l'opération, un client remet une valeur à l'autorité émettrice de crédit en échange de crédits. Le client transfère la valeur à une autre partie lors de transactions. La deuxième partie peut soit retourner les crédits à l'autorité émettrice de crédit en échange de leur valeur, soit les racheter à l'autorité émettrice de crédit en échange de services, soit les transférer à des parties tierces lors d'autres transactions.

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