ELECTRONIC WALLET TERMINAL

Description

MAURIZIO BENETTIN jo Consultants Propr. Ind. n. 477 DESCRIPTION Currently, payments for goods or services can be made with cash, checks, or credit cards. Credit cards are widely used because money can be stolen or lost, while checks can be stolen, lost, or tampered with. Furthermore, using cash raises the issue of possible change, while bank checks carry the risk of the recipient not being covered. Credit cards are much more convenient to use and carry; they can allow cash withdrawals from ATMs, even those of other banks, and guarantee that they cannot be used without a specific code. However, credit cards also lack immediate accounting information and do not provide users with an account's actual account balance, as statements are sent periodically, typically once a month. The invention described in this patent allows you to give and receive money without having cash or cheques and to be able to keep track of your account situation at any time. current account. The invention consists of a small portable terminal equipped with a display, keyboard and connection plug. By connecting this terminal to a dedicated ATM in your bank, or even in other banks, you can store your monthly statement or current account balance within the terminal itself. When making a payment or collection, you connect your terminal to a similar terminal, enter your personal code to access the terminal's functions, and set up the transaction. In addition to the amount, the terminals also exchange the personal data and bank details of the respective users to perfectly identify the drawer and the beneficiary. This way, the terminal updates its memory with the newly noted amount and informs the account holder of the current accounting status of their bank account without requiring them to go to their bank to request a statement. When the user subsequently connects the terminal to the designated bank machine, The portable terminal transmits the transactions stored in it to the bank's memory and stores the subsequent updated balance, including those transactions, such as bank transfers from distant customers, bill payments, direct deposits and others that have not been stored in the portable terminal. Optionally, the portable terminal can also store and transmit other data such as the address, telephone number, fax number (if applicable), tax code, VAT number, health card number, or other information. By way of a non-limiting example, a practical embodiment of the invention is illustrated. The connecting plug (S) for connecting two terminals together, the keyboard (T) used to set the operations and the display (V) which illustrates the operation in progress or the information stored in the terminal step by step are visible. These are the schematic methods sufficient for a skilled person to implement the invention; consequently, in concrete application there may be variations without prejudice to the substance of the innovative concept. Therefore, with reference to the preceding description and the attached table, the following claims are expressed. * Π λ

Claims

CLAIMS 1) Portable electronic device characterised by the fact that it is composed of an electronic storage circuit, a display, a keyboard and a plug for connection to similar electronic devices or to bank machines, and where such electronic device permanently stores the user's personal details and the identification codes of the user's current account and bank, and where such electronic device non-permanently stores the accounting situation of the user's current account. 2) Portable electronic device as per claim 1, characterised by the ability to be connected to similar electronic devices and record money transactions together with the personal details, current account number and bank of the other user, and where by connecting the electronic device to the terminal present in one's bank, the records of the money transfers are transmitted to the bank and the bank stores the updated accounting situation of the user's current account in the electronic device. 3) Portable electronic device as per all the preceding claims, characterised by the fact that its production and marketing are intended to be protected by this industrial invention patent, all as described and illustrated. Padua, 1 9 MAR. 1993 SANTIGLIA GIANNINO, CONVENTO MARINO;