The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 12, 2010
Filed:
Jun. 25, 2001
Applicant:
Prabhakar Gopalan, Austin, TX (US);
Inventor:
Prabhakar Gopalan, Austin, TX (US);
Assignee:
International Business Machines Corporation, Armonk, NY (US);
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2006.01);
U.S. Cl.
CPC ...
Abstract
An electronic wallet is based upon a centralized personal data base (CPDB). In the CPDB system merchants obtained customer information by using a primary number and a secondary number given to them by the customer. The CPDB electronic wallet provides a primary number and a wallet number to the merchant to conduct the financial transaction between the user and the merchant. The merchant submits the primary number and the wallet number to the centralized personal data base, the transaction is processed by the CPDB, and the merchant obtains credit for the financial transaction.