Methods and apparatus for conducting secure, online monetary transactions

The claims specifically narrow this invention to using a removable, recordable physical medium, like a miniature CD-ROM, to store cryptographic data for one-time online payments. A user inserts this disc into a computer's CD-ROM drive, enters a PIN, and the system facilitates a secure transaction between the user, merchant, and payment processors.

Why it matters: Filed before widespread mobile computing and the obsolescence of CD-ROM drives. The core mechanism relies on a physical medium and drive largely absent from modern devices.

Status: ExpiredProtection ended and was never renewed
How hard to build: SpecializedCustom physical media, heavy software system

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