05963924 is referenced by 431 patents and cites 63 patents.

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. An appropriate indicia such as color, an icon or other information associated with the display screen will be used to communicate security authorization for a particular instrument, payment instrument or payment instrument holder. When access is authorized, a graphical representation of the payment instruments is presented on the display to enable a user to select a payment method of their choice. Once a payment instrument is selected, a summary of the goods for purchase are presented to the user and the user enters their electronic approval for the transaction or cancels the transaction. Electronic approval results in the generation of an electronic transaction to complete the order.

Title
System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce
Application Number
8/638550
Publication Number
5963924
Application Date
April 26, 1996
Publication Date
October 5, 1999
Inventor
Bipinkumar G Parmar
Cupertino
CA, US
Kevin Hughes
San Mateo
CA, US
Humphrey Williams
Palo Alto
CA, US
Agent
Daniel J Gardere & Wynne Chalker
Sanford E Warren Jr
Assignee
VeriFone
CA, US
IPC
G06F 17/60
View Original Source