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Method, system and apparatus for the establishment of a virtual banking environment in a merchant venue while increasing the deposit-based assets of optionally interfaced traditional banking institutions subject to fractional-reserve banking
Method, system and apparatus for the establishment of a virtual banking environment in a merchant venue while increasing the deposit-based assets of optionally interfaced traditional banking institutions subject to fractional-reserve banking
A system, method and associated apparatus for establishing virtual banking in a merchant venue or syndication of merchants to a consumer while optionally increasing the deposit-based assets of a related traditional banking institution, having a consumer portable device for containment of currency amounts linked to the consumer's account and enabled to perform commercial transactions at the direction of the consumer that affect the balance of the consumer's account, which consumer portable device also displays balance and transactional information; a node device for containment of currency amounts accurately reflecting the consumer's account and optionally associated with a captive account at the banking institution and enabled to perform commercial transactions that affect the balance of the consumer's account in accordance with instructions received from the consumer portable device, which node device also optionally provides for balance, statements, transactional information, and profiling of the consumer's transactional activities; an interface between the portable device and the node device for communication therebetween to accurately affect commercial transactions between the two; transacting at least one commercial transaction of the commercial transactions between the two devices; and if there is an optionally related captive account at a financial institution, accurately communicating the transaction to the banking institution such that the balance of said captive account is properly maintained in accordance with the at least one commercial transaction. The commercial transactions also include credit, debit, ATM, money transfers and the like.
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