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This invention describes a worldwide electronic payment system that lets one person pay another instantly using various electronic devices like phones or computers. You enter your details and the payment amount, the system verifies it, and the money goes into a dedicated account for the recipient. The system is designed to work with many payment options without the recipient needing to pre-approve your method, and it specifically mentions a 'digital wallet' that can be loaded by the recipient after receiving physical funds from the payer.
Why it matters: Ubiquitous smartphone adoption and mature real-time payment networks have made the system's core vision of device-agnostic global payments far more practical than in 2007. The specific digital wallet loading method in claim 3, however, remains a hurdle.
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